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4 Top Places to Get Debt Help

Published: 24th March 2019 16:19

When you are struggling with debt, it may affect your entire life. It may be the reason you stay awake at night worrying, the reason you try to make long-term financial plans and the reason you snap at your family members.

StepChange released a report of UK personal debt in 2018 in which it is estimated that credit card debts are rising with high rates and has been so far reached at 67.8% which is considered to be a warning alarm of most of the borrowers tend to be insolvent.

When you are struggling with debt, it may affect your entire life. It may be the reason you stay awake at night worrying, the reason you try to make long-term financial plans and the reason you snap at your family members. However, the nice thing about it is, it does not have to be like that. What's important to say about debts is that it's never so difficult that you cannot change it. That is actually true if you are just starting to feel unhappy with your amounts of financial debts, but it is also true if you think things are rising their heads and you are confronted with final requirements, demands and county court judgments (CCJs).

You aren't the first person it is happening to, and it'll not destroy your life. However, it's the perfect time to get debt help from Carrington Dean, a Scotland's debt specialist portal that can help you manage your debts. Other than that, let us find out other ways to get help with debts.

How Can You Find Help with Your Debts?

There are plenty of charities and companies offering support with financial debt. Most of them may charge a fee for their expert services; however, they do very little that you could not do yourself.

You need to give them your financial details including your debts, expenses and income and do not forget to include overdrafts and store cards as well as credit cards and loans.

Here is what I believe are the best places to get help:

1.   The Money Advice Service

This is actually a great reference point for free support with debt. It offers tips, guides, tools and explanation for following a good budget.

What's more, it lists a few of the commercial debt advice firms that provide free debt guidance. As all those organisations are certified by the Money Advice Service, you will know that most of them are held to a high standard.

2.   Citizens Advice

In addition to providing lots of bits of advice about your legal rights while you are struggling with your debt, Citizens Advice also provides independent and free debt guides either in person by making a scheduled appointment at one of its bureaux or on its website through its web chat serviceLink that opens in a new window.

3.   StepChange Debt Charity

This site provides assistance with cost management and restoring control of the money you owe and also offers an online Debt Solution service to allow you to make a customised plan.

Aside from that, there's a contact number if you'd rather talk it through with a real support person.

4.   The Debt Advice Foundation

This is an expert debt charityLink that provides confidential and free recommendations on any facet of financial debt. Additionally, it offers a really useful consumer debt analyser tool that can help you understand the full magnitude of your debt issue and then gives a customised plan.

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