leaflet - where to find help
Post on 14-Apr-2017
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This is a specialist debt charity which will help you reach decisions
about the full range of options available to help manage your
debt. Most importantly, they can provide you with a Fee Free Debt
Management Plan.
www.stepchange.org
Tel: 0800 138 1111
Payplan is another organisation
which can offer you a Fee Free Debt Management Plan. Payplan
are not a charity, but they are funded by the industry, so every
penny you pay will go towards reducing your debt.
www.payplan.com
Tel: 0800 716 239
Part of the Money Advice Trust, National Debtline provides free and
impartial telephone advice service. Their website also has some useful
tools and information.
www.nationaldebtline.org
Tel: 0808 808 4000
Remember, money you pay in
debt management fees is money
that could be used to reduce
your debt.
Avoid the fees and you could be
free of your debt much sooner.
© Derbyshire Districts CAB 2014
Are you being
hammered by debt
management
charges?
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Every year thousands of people struggling with their finances
approach debt management companies for help with their
debts. They pay huge fees for debt solutions, such as a Debt
Management Plans – a service that they could get elsewhere for free.
You should NEVER have to pay for help with debt
You can get help from charities and other not-for-profit
organisations. Advice is
Independent and Impartial and the Help and Assistance you will
get is Free.
No Fees. No Sales Pitch. And every penny you pay goes towards
reducing your debt.
The Right Kind of Help
The first thing you should do when you find yourself in debt is very
simple:
Don’t Panic
You can get help but hasty action could put you in a much worse
situation.
There are many commercial companies who will offer a solution
to your problem, but the option they put forward may not be the
best one for you – especially if it a big chunk of your money is going
to go on fees.
You need to take proper
independent advice from someone who has your best interests at
heart.
Getting Advice There are plenty of places you can get free and independent advice:
Citizens Advice
Your local CAB will go through your situation and identify which
options could work for you. This
could be bankruptcy, a Debt Management Plan, IVA or a DRO.
They won’t pressure you into a
particular option, but they will make sure you understand the
pros and cons, support you to take action or refer you to an
organisation that can help.
To find details of your local CAB visit:
www.citizensadvice.org.uk
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