Where To Get Debt Advice

You can get free, independent advice from the following agencies:

Christians Against Poverty

Debt counselling agency, which specialises in helping those who are emotionally struggling too. The religious focus is why they do it, not how they do it.
Website: www.capuk.org
Tel: 01274 760720 


Citizens Advice Bureau

Full debt and consumer advice service with many bureau having specialist caseworkers to deal with any type of debt including repossessions and negotiation with creditors.
Website: www.citizensadvice.org.uk
Or visit your local CAB centre 


Community Legal Advice (includes Housing Duty Scheme)

Legal advice on a wide range of issues, including debt (usually for those on benefits or a low income). The Housing Duty Scheme gives free advice by phone or at around 100 courts across England and Wales if you are in danger of eviction or repossession.
Website: www.communitylegaladvice.org.uk
Tel: 0845 345 4345 or text 'legalaid' and name to 80010 to get a call back.


Consumer Credit Counselling Service

A full debt help service in England, Scotland, Wales and Northern Ireland. Online support is also available via its Debt Remedy tool.
Website: www.cccs.co.uk 
Tel: 0800 138 1111

Debt Advice Foundation

A debt advice and education charity offering one to one advice.
Website: www.debtadvicefoundation.org
Tel: 0800 043 40 50 


National Debtline

A full debt help service in England, Scotland and Wales. Online advice is also available via its My Money Steps tool.
Website: www.nationaldebtline.co.uk
Tel: 0808 808 4000 


PayPlan

Free debt advice and solutions for those in financial difficulty.
Website: www.payplan.com
Tel: 0808 280 2816 

Local Agencies

There may be a local debt help agency in your area, if so check it is non-profit or a charity, before signing up. Don't forget you can always speak to your Housing Management Officer if you are concerned about debt issues.