If you’re struggling with debt, there are many things you can do to help make the problem more manageable. Information on many of these things can be found online, and this sort of help might be all you need. However, sometimes you might need to talk to somebody directly and get personal advice about your unique situation. In this case, there are a number of places you can go to get free, impartial, and personalised advice on dealing with debt.
Citizens Advice Bureau
Your local Citizens’ Advice Bureau (CAB), an independent charity, can advise you on dealing with debt as well as a range of other problems such as legal issues. The first CABs opened at the start of the Second World War, and today they are one of the most widespread, readily-available and useful sources of free and impartial advice. You can go to your local Advice Bureau in person and without an appointment, where an advisor will be happy to talk you through your options and rights. Even smaller towns will often have a CAB, either in a full-time dedicated premises or part-time in a local venue such as a town or church hall.
Like the Citizens’ Advice Bureau, StepChange is an independent charity devoted to bringing free and impartial advice to those who need it. Unlike the Citizen’s Advice Bureau, they do not have a nationwide network of offices allowing you to seek help in person. On the other hand, they are also more specialised, focussing entirely on debt advice rather than on a range of problems. You can find a selection of highly useful information on their website as well as seeking personalised advice on your specific situation by phone. Their helpline is free to call, including when you call from a mobile. It is open Monday-Friday from 8am-8pm, and 8am-4pm on Saturdays.
National Debtline offers you free advice over the phone, as well as a range of other free services. Their helpline is completely free, and is open from 9am-9pm on weekdays as well as 9.30am-1pm on Saturdays. This allows you to talk directly to an advisor who will give you free advice. There is also a range of information on their website as well as a comprehensive self-help pack. If your circumstances qualify, they can also help you set up a debt management plan or a debt relief order. These services are also free of charge.