There are thousands of people out there who are living underneath a mountain of debt, debt that is unmanageable and debt that they are struggling to get out from under. If you are in a similar situation then there is help out there for you. Laws have changed a lot in recent years as a result of companies pushing debt on to people who couldn’t afford it and as such there are now ways and means to pay off your debts gradually through collections agencies. Debt collection companies strike up images of angry looking men knocking on your door, this…