Debt

When you have trouble paying your bills or credit agreements it is important that you understand your rights and responsibilities and take action deal with your situation.

Your options when you are in debt may be complex as you need to ensure that you have maximised your income, reduced any unnecessary expenditure and understand what legal powers the people you owe money to may have.

This usually means that you need to talk to a debt adviser rather than get advice via e-mail. However if you do make your enquiry via e-mail you will find it useful if you have already explored the sites below as they provide a great deal of useful information and help when negotiating your debts.

Internet Links

Advice Guide Debt

The debt advice pages of the Citizens Advice web site contain information on how to deal with your creditors and how to maximise your income.
http://www.adviceguide.org.uk/index/life/debt.htm

National Debtline

National Debtline is a free service that can help you negotiate with your creditors.
http://www.nationaldebtline.co.uk/

Consumer Credit Counseling Service

Consumer Credit Counseling Service is a free service that can help you negotiate with your creditors
http://www.cccs.co.uk/