Debt Help – free advice if you are in debt and need help

The good news for those seeking help with paying off debt is that there is plenty of free advice if you are in debt and need help. There is advice on how to reduce your debt and manage your finances – and it’s free.

Contact any of these organisations to get going on reducing your debt:

In the Birmingham area, the Community Money Advice Centre (CMAC) has trained staff to deal with your financial and debt queries.  They can even provide court representation.  Find them at Alma House, Newtown Shopping Centre, Birmingham or phone 121 2503000.

Another good source of free advice on reducing and managing your debt is your local Citizens Advice Bureau.  For more information check their link.

Christians Against Poverty (CAP) are a charity organisation working throughout the UK to assist people in financial crisis.  Their centres are based in churches and they offer free debt counseling. Their e mail address is infor@capuk.org or phone 012 74 760720.

Most local authorities have Money Advice Centres which are normally linked to the Citizens Advice Bureau (CAB).

Other useful organizations to deal with your debt crisis are:

Money Advice Association (based in London)

Helpline 020 7489 7796

E mail: infor@moneyadvicetrust.org

www.moneyadvicetrust.org

Money Advice Service:

These bureaus are set up by the government for consumers to make the most of their money. Advice is even available on-line.

National Debtline:

A telephone service for people in England, Wales and Scotland who have financial problems and debt

Helpline 0808 8084000

www.nationaldebtline.co.uk/

The Financial Ombudsman Service (FOS)

If you have a complaint from a business that provided you with a financial service then this is the organisation to contact.

Phone 0300 123 9 123 or 0845 080 1800  www.financial-ombudsman.org.uk

They can phone you back if you are concerned about the cost of the call.

Step Change (previously Consumer Credit Counseling Services – CCCS)

A charitiable organisation to help with financial problems

Helpline 0800 1138 111 England & Wales

Helpline 0800 138 3328 Scotland

www.stepchange.org

Shelter

Free housing advice call 0808 800 4444

www.shelter.org.uk

The Insolvency Service

Phone 0845 602 9848 or e mail insolvency.enquiryline@insolvency.gsi.gov.uk for general advice on insolvency matters.

Please note this service does not provide advice only general information.

Payplan offers free advice especially on mortgage arrears, home respossessions, bankruptcy, Trust Deeds, Individual Voluntary Arrangements, Sequestration and free Debt Management Plans.  We have chosen Payplan as our debt management company and are in contact with Payplan daily.  Their tel no is 0800 197 8433. Phone for free advice on debt solutions.  All enquiries will be treated as confidential.

Financial debt is overwhelming and affects all areas of one’s life.  Should you feel the need for emotional support contact:

Helpline 0800 138 111 (England and Wales)  or 0800 138 3328 (Scotland) or

The Samaritans for 24 hour telephone support 08457 90 90 90

Remember a problem shared is a problem halved! Once you have reduced your debt you should try to manage your finances in a way that your debt will not overwhelm you once again. It is often necessary to have credit or to borrow for emergency loans or short term loans but note that you will always have to pay back the debt and the sooner you are managing your debts the better.