Debt: Where to Get Help
You can obtain free and impartial advice from the following organisations, and they will offer you advice to suit your particular circumstances:
Contents
PayPlan
Payplan provides free debt advice and free debt solutions for anyone experiencing financial difficulties. We will find a solution that is right for you, your family and your home.
Or you can call on freephone 0800 917 7823. Phone lines are open 8am to 9pm Monday to Friday and 9am to 3pm on Saturdays
Consumer Credit Counselling Service
CCCS is a charity, so you won't pay a penny for any of their services - whether you need immediate debt advice tailored to your situation or more general budgeting advice.
Their Freephone helpline 0800 138 1111 is open from 8am to 8pm Monday to Friday.
National Debt Helpline
The helpline that provides free, confidential and independent advice on how to deal with debt problems.
On this website you can:
- Download an information pack to deal with your debt problems.
- Use the personal budget section to work out what repayments you can afford.
- Use a suite of sample letters to write to your creditors.
- Visit the debt advice section to get information that may help you deal with your debt problem.
- Access the library of factsheets.
- See if you can pay your debts via a Debt Management Plan (DMP)
Freephone: 0808 808 4000 Monday to Friday 9am to 9pm Saturday 9.30am to 1pm
Debt Question Forum
Practical and informative help on all aspects of debt. There are forums for:
- Debt Questions
- Property Issues
- Credit Reference Agencies
- Debt Solutions,
- Individual Voluntary Arrangement
- Debt Management Plan
- Before, During and After Bankruptcy,
Citizens Advice Bureaux
Please make sure you book your appointment with the specialist money advisor as many of the volunteers don’t have the necessary experience and knowledge:
Scotland
If you live in Scotland, then there are different rules that apply, so you should in he first instance make contact with:
Business Debts
If the debts are related to your business, see :
