There is no doubt that there is a need for help and free debt advice to deal with the outbreak of the debt of the United Kingdom. Even before the credit crisis the country is dangerously overloaded. Now that the panacea for low-cost re-mortgages was removed from the true scope of the problem begins to emerge.
In addition to these excesses, which have themselves during the period of cheap credit there are also those who now suffer dismissal or reduction of business / rewards / commissions. Debt charities and corporate debt management are stretched to breaking point by the number of people seeking help. This only increases the risk of desperate people facing a large number of companies that could benefit from them.
If you need assistance or debt debt free advice in the UK, then there are a number of options:
1. The Citizens Advice Bureau. With offices throughout the United Kingdom, he is sure to be a CAB near you. The advantage of using the CAB for your free debt counselor, they can advise you on other legal issues that you May If you decide you want to set up a management plan for the debt or VAT, then you must also use the services of a debt management.
2. The Consumer Credit Counseling Service (CCCS). A national debt charity, which will guide you through the process of preparing your financial situation and reduced payments negotiated with your creditors. One of the most respected debt charities by giving advice.
3. A management company of the debt. Choose the one that does not pay in advance the costs and is able to offer both debt management plans and IVA. Payplan Partnership is a highly respected company which is a good first choice (although there are others).
4. A lawyer. Most lawyers will give you a free consultation. This could be useful if you have a debt problem very complicated, for example, involving business partners, but otherwise, it is the least useful. You can quickly find you to pay for your advice and counsel can advise you on the letter of the law rather than the current practice in the industry of debt relief. They most likely will have little experience of simple consumer debt problems and will not be able to negotiate with your creditors.
If you are told you have to go on a waiting list before being seen, then make sure the person you are talking to understand exactly what your situation. Most organizations will be able to put you on a priority list, if your situation is very serious (bailiffs calling at your home or if you are about to lose your house). It is important to understand that if you are bothered by debt collectors that in itself will not be considered as an urgent problem of the debt counseling organization. My advice is to take for free advice and assistance you need to deal with your debt problems. If your company or debt management has a waiting list for 3 months to see a counselor when the money list and wait. At least, we have begun the journey to be debt.
Remember that being unable to pay your debts is not a crime in the eyes of the law. Do not be too hard for you. Try to relax a bit (I know it's hard), and we believe there is life after debt. I am living proof of it! If you can keep your calm, you are much more able to take the right (sometimes difficult) decisions that will solve your debt problem. Do not be tempted to choose a little known, the management company of debt just because your first choice can not see you immediately. There are some disreputable companies working in this field that will make your situation much worse.
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