| If you have a problem with debts you need good | | | | advice on your debt situation and will negotiate and |
| legal advice. However the last thing that you need is | | | | administer a Debt Management Plan for you if this is |
| advice that you have to pay for. It is true that | | | | an appropriate solution. |
| advice on debt relief is a specialist area requiring skills | | | | Commercial Organizations Offering Free Advice For |
| qualifications, so how are you going to get his advice | | | | Debt Relief |
| free? Fortunately there are charitable organizations | | | | Many commercial organizations offer free |
| that will provide free advice. There are also | | | | introductory consultations that can help you to decide |
| companies/legal advisers that will provide free advice | | | | on the best course of action. It is always worth |
| initially in the hope that you will sign-up for something | | | | remembering that their advice might be slightly biased |
| they can charge you for later. | | | | towards the solution that they are selling. |
| Charitable Organizations Providing Free Advice For | | | | In the United Kingdom Solicitors will often offer a |
| Debt Relief | | | | free initial consultation. This can often be of limited |
| In the United Kingdom there are two main charitable | | | | use because it is not long enough to discuss your |
| providers of free advice on debt relief: | | | | options in any detail. You would quickly find yourself |
| 1. The Citizens Advice Bureau. Many CABs will have | | | | having to pay for additional time. Also legal |
| specialist debt case workers that can provide | | | | professional are not always best places to advise |
| top-quality free advice. However there may be a a | | | | you on debt problems. They are familiar with the law |
| waiting list to see the debt case worker, as they are | | | | but not necessarily the way that the laws are applied |
| very much in demand at the moment. You are | | | | in practice. |
| definitely not on your own with your debt problems. | | | | Companies that offer either Debt Management Plans |
| Although the other workers in the Citizens Advice | | | | or Individual Voluntary Arrangements will sometimes |
| Bureau will be able to offer general advice on debt | | | | take you through the initial process of identifying all |
| problems you do really need to see the specialist | | | | of your debts, income, and outgoings. They do this |
| debt case worker (who should be a qualified money | | | | so that they can assess whether you are suitable for |
| adviser). After having given advice they should be | | | | the particular debt management solution that they |
| able to negotiate with your creditors on your behalf | | | | are selling. As long as you are aware of this then |
| if this is appropriate to your situation. | | | | they can provide very useful advise even if you (or |
| 2. The Consumer Credit Counseling Service (CCCS) is | | | | they) decide that their debt management solution is |
| a non-profit making organization that is funded by | | | | not suitable for you. |
| contributions from the credit industry. It can offer | | | | |