If you’re
struggling to make ends meet and have reached a point where scrimping and
saving is simply not enough, you should seek professional debt advice as
quickly as you can, as everyday you delay will only make your situation worse.
But where can you find free debt help which you can trust to provide you with
the impartial and expert advice you need?
Be wary of commercial companies masquerading
as charities
There are
some less than scrupulous commercial companies who masquerade as debt charities
by choosing misleading business names. If you contact such a company believing
them to be a debt charity, then as soon as a price for their services is
mentioned, alarm bells should start ringing. A charity will never charge you
for their services.
Citizens Advice
The Citizens
Advice service provides assistance to people who are experiencing issues with
monetary and legal matters amongst others. The service was set up to provide
free, independent, confidential and impartial advice to individuals as well as
to improve the policies and practices that affect people’s lives.
There are
Citizens Advice bureaus all over the country if you wish to discuss your debt
problems in person. Alternatively, they also provide a telephone, online or
face-to-face service, so you can find the most appropriate service to suit you.
The StepChange Debt Charity
The
StepChange Debt Charity is a registered charity which means all the advice
provided is free. If you would prefer to talk about your debt problems
anonymously over the phone rather than in person, StepChange can provide you
with information and assistance you need. Not only do they offer fee-free debt
management plans, they can also provide information which relates specifically
to bankruptcy, IVAs, debt relief orders, bailiffs, charging orders, money
management, mortgages and equity release.
They also
provide a handy free online service, which allows you to create a detailed
budget so you can get to grips with the precise reality of your financial
status. Once your budget is complete you will be provided with a tailored
recommendation to meet your particular circumstances. This service is
completely free and you will not have to give your name.
National Debtline
The National
Debtline provides an invaluable service to individuals in England, Wales and
Scotland facing debt problems. Their experienced advisors will provide you with
free, confidential and independent advice over the phone or via email. They can
advise you as to the most suitable debt solution for your specific financial
circumstances as well as providing budgeting and mortgage advice.
If you’re looking for expert Debt Help, Scotland based Trust Deed Forum will provide you with the professional
advice you need. They have an extensive forum where you can pose questions to
their in-house experts as well as learning from the experiences of individuals
who have found themselves in a similar position.
