Where To Find Debt Management Advice

Many companies and organisations offer debt management advice online, by telephone or face to face.

They are not their to judge how someone handles their money, but to give independent advice aimed at helping them deal with their financial problems.

Borrowers with debt problems can speak to these advisers in confidence about their difficulties and work with them to find a solution.

If you are discussing your debts with one of these advisers, don't forget to check if they are going to charge you a fee for negotiating with creditors or handling a debt management plan.

 

Debt Management Advice

 

Where to go for free debt management advice

 

Free debt advice depends on where you live. Most large towns and cities have a wide choice of providers, but for those living in the country, online or telephone advice is probably the best bet.

Here's a list of some free debt management advice organisations, in no particular order of importance:

  • Consumer Credit Counselling Service (CCCS)
  • Web Phone: 0845 34 4 345
  • National Debtline
  • Web Phone: 0800 138 1111
  • Citizens Advice
  • Web: England and Wales or Scotland Phone: 0808 808 4000
  • Community Legal Advice (CLA)
  • Web Phone: 0800 280 2816
  • Payplan
  • Web Phone: 0800 197 6026
  • Other free debt advice providers include some local councils and law centres.
  • Debt management companies

These firms often charge a fee for helping with financial problems and looking after debt management plans.

Finding a debt management firm is easy – just search online by typing 'debt management advice' in to a browser.

What's the difference between free and paid for debt advice?

Not a lot really. Both types of advisers work to the same guidelines to calculate disposable income.

The main difference is paying a fee for debt management advice may reduce a debtors available income to repay any money owed, and this could lead to settling the debt taking a longer time.

 

Client Testimonials
  • We were put in touch with Pathfinder by a friend of ours when a failed business created alot of personal debt of which we had no way of being able to continue with the payments . It seemed like a jungle with no way out . Dawn Speakman of Pathfinder...
  • After drowning in debt and not knowing which way to turn I was put in touch with Pathfinder DM, through their help and guidance I am now slowly getting this under control and myself back on track, the staff at Pathfinder have been professional...
  • In early 2009, I read an article in the Salford Advertiser, for Pathfinder, a debt management company. At the time I had run up debts of 50K on various credit cards, mainly through changing jobs, along with a reduction in salary.I arranged a meeting...