1.   Do not ignore the problem - it will only get worse.  Every day your arrears will grow, unless you tackle them.


2.   Do not assume you have time on your side - you don't.


3.   Do not think the worst.  There is a solution if you act quickly.   You need to lose that mortgage!


4.   Do not shoulder the burden of arrears all by yourself.   Guilt, shame and worry hurt because you care so much.


5.   Do not go for a quick fix.  Get advice and find out all your options.     Be wise. and consider your next move carefully.