It's easily done, you put a few products on to your Catalogue with all the intention of being able to make the repayments each month and eventually before you know it, you owe more than you expected. Some Catalogues will add interest each month where as others will ask you how you want to spread the cost of your order at the time of purchase.
Either way, some people find paying a Catalogue bill each month only see's the balance reduce very slightly.
Depending on your Credit Status, you could be in a position to clear your Catalogue balances with a zero percent Credit Card, if however you know you wouldn't qualify for a Credit Card at this time then there is another way to tackle the Catalogue debt.
Work out how much you can afford to pay to your Catalogue company. You could call the Catalogue company and explain your current situation, it's far better to come to an arrangement with them than to get into a position that you can't pay them back anymore.
Some Catalogue companies will have a specialist department designed to help you get your debt reduced and your account back on track.
Most Catalogue companies will freeze interest and or accept reduced payment terms for a short period in an attempt to help get your finances back on track.
If you feel your debts are spiralling out of control, do not contact Debt management companies, most will charge a fee and that's the last thing you need.