Where to get free help for Bankruptcy in UK

For anyone having a severe debt problem, there are several organisations in UK which offer free debt help and advice. Bankruptcy is the last resort to deal with the debt crisis and it can have severe negative consequences on a person’s financial health. A person trying to file a bankruptcy petition, under the UK law, desperately needs professional help to manage his debts and prepare himself for the days under the bankruptcy. You can seek this type of professional advice over the telephone or even in one to one and face to face interaction with the experts on bankruptcy matters. These professionals can help you in working out the best way in managing your debts. They will answer to your all questions and help you to make an informed decision.

There are many organisations that provide debt related advices that prove to be very helpful in dealing with your creditors. They can help you to find the best way in dealing with your debts and enable you to enter into an arrangement with your lenders and try to avoid your bankruptcy as a primary measure.

Organisations offering free bankruptcy help

All organisations do not offer such services for free and some may charge you a little fee. This fee can help you in organising any type of arrangements with your creditors. You need to check these fees in advance and the ways to pay these applicable fees. However, here is a list of organisations that offer you free bankruptcy help and advice. These organisations offer you independent advice enabling you to deal with your debt and bankruptcy related problems.

1. Citizens Advice
Citizens Advice provides you with free information to help resolve your financial crisis. The organisation offers confidential advice on legal and monetary issues. It has presence all across UK with more than 3,200 centres in the country. You can even call them on their helpline no. 0800 043 40 50. The services are available from Monday to Friday between 8.00 am and 8.00 pm, while on Saturdays, they are open between 9.00 am and 5.00 pm.

2. Debt Advice Foundation
Debt Advice Foundation is a registered charity organisation of UK. The organisation runs a free phone helpline for people who under severe debt trap and want to try the bankruptcy option. The helpline no. is 0808 808 4000. You can call at this no. anytime between 9.00 am and 9.00 pm from Monday to Friday and between 9.30 am and 1.00 pm on Saturdays.

3. National Debtline
The National Debtline runs a free telephone helpline for the people of England, Scotland and Wales who need assistance on debt management and on bankruptcy matters. Their helpline no. is 0800 138 1111. They are open from Monday to Friday from 8.00 am till 8.00 pm. You can also download various publications on bankruptcy issues from their website.

4. Consumer Credit Counselling Service (CCCS)
You can contact CCCS for a free counselling session on your debt problems. They will give you confidential advice on personal budgeting and bankruptcy. You can call them from Monday to Friday between 9.00 am and 6.30 pm. Their no. is 0845 345 4 345.

5. Community Legal Advice (CLA)
You can get free legal advice on debt and bankruptcy over the telephone from CLA. This legal aid is available to the people living in England and Wales. CLA offers free legal advice on employment, education and also on tax credits. You can call them at 0800 280 2816. You can call CLA between 8.00 and to 9.00 pm from Monday to Friday and between 9.00 am and 3.00 pm on Saturdays.

6. Payplan
Payplan offers free help on debt management, bankruptcy and budgeting to the citizens of the UK. Payplan guides people to devise debt management plans. They provide Individual Voluntary Arrangements (IVAs) without charging any upfront fee. You can call them at 0800 197 6026 from Monday to Friday between 9.00 am and 5.00 pm.

7. Business Debtline
The Business debtline offers free counselling services on debt and bankruptcy issues. Their services are meant for the self-employed people and small businesses of UK.

8. AdviceUK
AdviceUK comprises of several independent counselling centres. This network helps people of England, Scotland and Wales on debt and bankruptcy issues. You can check their website to find one of their centres located nearest to you. You can also call them at their telephone no. 020 7469 5700.

Besides all these independent service providers, your local authorities can also provide free counselling services on debt and bankruptcy. You can check your local authority website to ensure availability of such kind of debt help.

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