If you are sinking further and further into debt and can’t seem to find a way out or your income is just too small to cover your monthly payments then you need some help with your debt. Luckily, there are many resources available so you can get help with your debt and many of them are free.

Advice over the Phone

The National Debtline offers advice which is free and confidential over the phone as well as multiple publications on their website. Note that they have different services for England, Scotland and Wales because the laws regarding debt vary. You can visit their website at nationaldebtline.co.uk.

The Consumer Counselling Service (CCCS) provides free and independent advice to help people get out of debt. They have a telephone and an on line service, as well as providing a wide range of tools and courses.

Payplan also offers free advice to debtors but they also help with money management advice and tools. They also provide free debt management plans and IVAs with no upfront fees.

Debt Advice in Person

If you are looking for a more hands approach and would like to meed with your counsellor then the Citizens Advice Bureau is your best option. The provide information and advice on a whole host of issues from legal to financial and many more. There are CAB offices all over the country and you can find them with an on line search or in the local phone book.

AdviceUK is made up of a network of independent advice centres which can help with debt advice. Another option is Shelter which will also provide guidance in obtaining welfare benefits, sorting out any care and health requirements besides debt advice.

There are many more free services to help you get your debt problem under control and these are just a few of the larger networks available. If you really want to get out of debt and don’t know how then pick up that phone to get the ball rolling.