* To be honest (no lie) but has your financial situation adversely.
* If you are considering declare bankruptcy, do know, but you do not get any further debt after saying or declaring yourself bankrupt you will not.
* Never say where you work or what your bank.
* Do not hire a lawyer if you are not sure you’re in a better position to your creditor.
* If the creditor says it agreed to negotiate and complete debt cancellation, make sure that once agreed payments are made on your account statement showing that the debt is paid in full.
* The chances are that you have to pay taxes on the debt cancellation. The creditor will send the information at the end of the accounting year and have to declare profits from the debt cancellation.

There are debt management companies that claim to be nonprofit, but do not be impressed by the term “nonprofit”, as it can be very misleading.

For starters, most people think there is not much difference between debt consolidation, debt negotiation and debt management plans, however, debt consolidation is entirely different from the debt management programs or the debt negotiations.

Although many people have considered stable work in a large company, think it is not usually stay until retirement under the same roof, as happened some years ago. Even in the most favorable, with permanent contracts and solvent companies must be prepared for dismissal, and think that is a step which we can all face. Of course, the more precarious is our employment status, most likely will leave the company.

All people feel bad to be fired on the one hand, it opens a horizon of economic uncertainty, with declines in income, and secondly, the dismissal may be a blow to our pride and our dignity. Therefore, it is very important to properly address the dismissal from the psychological point of view. It is normal that we are wrong, but we must be positive and start acting soon.
Planning our new financial situation

First, we must plan our new financial situation. If our revenues are diminished, we will establish a spending plan tailored to our new financial situation, giving priority to expenditure of importance.

While we find work, our income can come from two sources: first, whether the dismissal is considered unfair, ie, that does not serve any reasonable cause, the worker is entitled to compensation equivalent to his salary of 45 days per year worked with the limit of 42 months. Moreover, in case of not finding employment, is entitled to unemployment benefit, as quoted variable average over the last 180 days prior to unemployment.
Find a new job

Once we have taken our new situation, it will be time to take action. We will have to be positive and optimistic, and use all available tools to find a job that makes us happy: newspapers, Internet, contacts we have, and so on. We must prepare for interviews. It seems hopeless or despondent. We will be positive and be prepared to answer, for example, what caused the dismissal. We must show desire to return to work.

One possible option is to visit companies in the same sector they worked before. Our experience in this field will be a factor in our favor.

Another option is to use the dismissal for a change to our future work. We can choose another area we were working completely different but we like, we are able to work on it and think it has possibilities. Whenever there is a job we would have liked to do. If we have the skills and preparation needed, can be a time of change.

Another possibility is to spend the compensation money to start a journey in solitary. We start our business or work on our own, as self-employed, working on what we know or taking a business we’ve studied calmly and to consider viable. Severance pay may well become an opportunity for personal development and employment. We can find our economic stability and pursuing a profession or an activity that allows us to move forward.

In any case, it is recommended that we use the fact of being dismissed and we consider it primarily as a job change and not as a tragedy. And we try as far as possible that we develop the new activity is to our liking. Ensuring that the bitter throes of dismissal is an opportunity and know we can take to improve economically, but above all on a personal level. Changing jobs for the worse, can be very frustrating.