Where is debt advice available?

If you are in debt, you may know that there is debt advice available - but do you know where to get it?

In general, if you are finding your debts difficult to manage, you should contact a professional debt adviser - either in person or over the phone - who will be able to assess your situation and suggest the best way of tackling your debts.

You could try using a search engine to look for 'debt adviser' or 'debt advice', or you could ask friends and family and find out if anyone you know has had any experience of debt organisations.

You may find that all you need is a little advice on budgeting - or you may be advised to look into a specific debt solution.

Why seek professional debt advice?
If you are struggling with your debts, there are many reasons why you should consider seeking professional debt advice. For example, debt advice could help you:

1.    Regain full control of your financial situation. You may find that a bit of debt advice is all you need so you can regain full control of your financial situation. An experienced debt adviser will be able to assess your situation and help you address your debt problems.
2.    Identify the most suitable debt solution. You may discover that debt advice alone isn't going to be enough - a professional debt adviser should be able to tell you if a debt solution could simplify your finances and help you repay your debts in a realistic and affordable manner.
3.    Successfully negotiate with your creditors. Re-arranging a new repayment plan on your own can often be a difficult and stressful experience. A professional debt adviser should be experienced enough to offer you tips on negotiating successfully with your creditors.

Please note that some financial organisations offer free debt advice resources on their websites: letter templates, debt guides, useful contact numbers, etc.