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    Many of us have a fervent desire to join the property ladder and own our home. This drive leads many of us to make one of the largest financial commitments of our lives by arranging a mortgage. At the same time you may be making payments on other loans, the costs of raising a family, running a car or simply a change of circumstances at work. Costs soon begin to increase.

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    Unfortunately for many of us the dream of owning our own property can quickly turn into a nightmare. As mortgage payments are missed, creditors are all too quick in seeking the fastest way to recover their funds. In due course it means your most important asset - your home - is at risk of being repossessed. Forcing you to free your residua

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