Anyone who has ever struggled with the burden of debt knows just how stressful and demoralizing it can be. The constant worry of how to pay the bills can take its toll on you. However, the sooner you face up to your debt problems and try to get help the better it will be for you, and there are a number of places you can turn to for help and advice. With a bit of help you could soon be on the way to managing your debt problem.

Your first port of call if you are dealing with debt is to get in touch with the Citizens Advice Bureau. You will need to find the branch that is nearest to you and you can make an appointment to speak to a dedicated debt advisor. The Citizens Advice Bureau website is also a great resource to read about the various options you have for dealing with your debt and for finding the phone numbers for other useful contacts.

You can get free, confidential and impartial advice from the National Debt Helpline which offers a free phone telephone counseling service or an email service. If you choose to call them they will advise you on which course of debt management solution is the best for you and your individual circumstances. They can help you through the process of bankruptcy or setting up a debt management plan.

The Consumer Credit Counseling Service (CCCS) also offers impartial confidential advice to those who are trying to manage a debt problem. This is a charity that provides a free service via telephone counseling and can help you to set up your debt management plan or walk you through the various stages of bankruptcy. The CCCS also offers people who are experiencing financial problems helpful advice on how to budget effectively and ways to save money.

Your local authority may offer free debt counseling advice but not all areas have this service. You will need to find out if you live in an area that provides this service, you can do so by accessing the direct.go.uk website and following links to the debt advice pages. There may be several places in your area where you can access face to face counseling to help you move forward.

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