Debt – Places to get free help and advice

Debt management is most of the times a huge problem, a failure to deal with in the right way tends to create an overhead. It is advisable to look out for help when you are unable to manage your debts all by yourself. Getting help makes you handle your debt with an expert exposure level. But when you require help, how do you know where to reach? And also with the vast number of services be offered by many organizations around, how to pick the right one? This is a guide to provide awareness about the places where you can resort to for free help and advice at times of debt problems. You can also learn how to select the right debt organization for your needs.

There are many organizations that help with free advice to aid in you debt management problems. The below is a consolidated list of them to help you choose one that suits your needs.

Citizens Advice – This organization can provide you free advice to solve your money and legal problems for free. The confidentiality they maintain is also a positive point towards considering them. They are spread over 3200 locations over the country and can be approached for help for any debt problems in England, Wales, Northern Ireland and Scotland. You can browse around for your nearest Citizens Advice online when you decide to walk into one for help.

National Debtline – This organization is an independent and free advice seeking counsel through phone lines. They are open through 9 am to 9 pm on Monday to Friday and half day starting 9:30 am to 1:00 pm on Saturdays @ 0808 808 4000. They handle all concerns raised with regards to debt for individuals living around Scotland, England and Wales. Alternatively, before calling you can also look in their website for details and publications with regards to debt management or counselling.

Consumer Credit Counselling Service – The Consumer Credit Counselling Service or the CCCS is a non for profit organization that provides free and impartial counselling on debt problems in UK. They can even advice help on credit issues and offer help in resolving concerns over personal budgeting. They can be reach over phone at 0800 138 1111, 8 am to 8 pm from Monday to Friday.

Community Legal Advice – If you are a residing in England or Wales and in need of legal aid, then Community Legal Advice might be able to offer help on housing, debt, employment, tax credits, welfare benefits and education phone. They can assist and provide guidance by all possible means for an individual who qualifies for legal aid. These services are offered 9 am to 6:30 pm on all weekdays through phone lines. The number they can be reached is 0845 345 4345.

Payplan – If you are looking for a free advice on any concerns over debt or budgeting, then the Payplan is one another organization you can bank on. They aid individuals living in UK over any concerns related to debt management and Individual Voluntary Arrangements or IVAs. The can be reached from 8 am to 9 pm on weekdays and from 9 am to 3 pm on Saturdays. The number you need to contact to avail for these services is 0800 280 2816

Business Debtline- With many organizations to solve individual debt issues, this is one that helps in related debts problems for small businesses. This is an on-call counselling and the individual requiring assistance can call up their representatives at 0800 197 6026 anytime between 9 am to 5 pm on all days of the week from Monday to Friday. The guidance provided is free of cost and is mainly targeted around self-employed and small businesses.

AdviceUK – In case you are looking for a network which can provide you with an advice centre located nearby your house, you can check out the AdviceUK website or their call them up at 020 7469 5700. This facility can be availed by people living in England, Wales and Scotland. For those staying in Northern Ireland, AdviceNI will be a good reliable source.
Law Centres - In case of help or advice required regarding any law clarifications or regarding any legal action, you can reach out to the nearest law centre in your locality. These centres provide free and unbiased advice. You can browse online for your local law centres list to find the one appropriate for you.

Shelter - These provide free advice for individuals in England and Wales on various debt management issues that include disability rights and entitlements. You can reach out their services through the numbers 0808 800 4444 or 0845 075 5005 or alternatively check out their website for additional details.

Other than these, you can always call the Insolvency Service for any process or procedures related to insolvency in Wales and England. The Insolvency Service is reachable from 9 am to 5 pm on weekdays at the number 0845 602 9848. For legislative procedures in Scotland, you can contact the Accountant in Bankruptcy and Insolvency Service NI for Northern Ireland.

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