Debt Help Available in Great Britain: Free Debt Advice and Counselling Services in the UK

Coping with debt can put an overwhelming strain on both individuals and families. Fortunately, debt help is widely available in the UK from various organisations. Many of them have free debt help telephone numbers, giving immediate access to qualified debt counsellors.

Debt Advice on the Telephone

There are a variety of options for people wishing to discuss debt problems, one of which is to telephone a debt help number. Most debt help organisations have a telephone number to call, some of which are staffed 24 hours a day, seven days a week. An excellent example in the UK is the National Debt Helpline, where calls are free and debt counsellors are on hand to offer advice and support.

The Samaritans are also an option for those affected by debt problems. Although calls are charged they do provide the option of reversing charges or having someone call the client back. The Samaritans have numerous centres throughout the UK where anyone can drop in for a face to face chat about debt problems. The Samaritans is a charity which uses volunteers and allows anyone to discuss any problems at any time.

Debt Help from Citizen’s Advice

The Citizen’s Advice Bureau is a well known part of many towns in the UK, offering free advice on a wide range of topics. The Bureau also operates a satellite organisation known as the Debt Advice Trust, giving free debt advice supported by the government. A free phone number can be called, which is staffed by experienced debt counsellors.

Online Debt Help

An alternative to debt help lines is provided by the CCCS (Consumer Credit Counselling Service). Their website gives clients the option of filling out an online form with details of their income, debts and expenditure. Within a short time span clients receive back a suggested debt management plan based on the information provided.

The Sterling Trust charity offers another form of online debt help. Clients, as with the CCCS, enter their financial information online. Their income and debts are then compared to produce a repayment plan. The site also provides letters which can be printed off and sent to creditors, explaining individual situations and how debts will be repaid.

Advantages of Free Debt Advice

In addition to costing nothing receiving free debt help from a charity should ensure that any advice given is fair and impartial. There are now more opportunities than ever to obtain free debt advice in the UK. In the current financial climate debt is affecting more and more people. The charities and organisations described above are working to help as many people as possible regain control of their finances.

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