As a debt adviser, I dealt with clients who have not opened their letters for months (if not years). It is hard for anyone when things go out of control, especially with debts.  If you are on your own, what you would do when you feel the world collapses right in front of you and your debts pile up?  Here are a few simple tips to guide you through the process. 1. Speak about the fear of not opening your letters  It is normal to feel afraid to avoid opening your letters. If you have ever been in therapy or counselling sessions for depression or trauma, your therapist will say that when you are in fear of an event or a situation, a natural human reaction to your problem is to shut down your problem or run away from it. When you have a debt problem, you respond the same way when you are in financial trouble and you avoid opening your letters from creditors due to fear. If you have been in touch with your local GP, he or she can refer you to free Cognitive Behav...