Below are contact details of a number of organisations offering advice to people experiencing problems with debt.

You can test yourself on how well you are managing your own debt by taking a test devised by the Financial Service Authority (FSA).  The Money Made Clear websites includes tips on how to avoid debt problems and how to manage your finances.

TAKE THE TEST>>>>>>>

If you think you have a problem, the important thing is to take advice early and, if you require it, ask someone to give you practical help in managing your debt.  There are some very helpful organisations who offer advice and assistance through their websites, over the telephone or face to face.

National Debt line

This website offers downloadable advice packs, budget forms and other materials.  Free, confidential and independent advice is also available over the phone.

Tel: 0808 808 4000 free phone

Consumer Credit Counselling Service (CCCS)

If you need expert debt help, make sure you get it for free from a trusted charity. Whilst many debt help companies charge fees for their services, the Consumer Credit Counselling Service won’t charge you a penny. The CCCS is a registered charity that has been helping people struggling with debt for more than 15 years. To see how they can help you, use the CCCS Debt Remedy online tool now for an instant assessment of your situation.

Tel: 0800 138 1111 free phone

Citizens Advice Bureau

Provides advice about debt and welfare benefits to help raise your income.  Local CAB may have debt advisors who can help you manage your debts. For information about local bureaux, use the following link.
www.bhwcab.org.uk

Tel CAB Debt Advice Line: 01376 512168

Community Legal Service

CLS Advisors specialising in debt and welfare rights work at various locations in Essex. If your case is complex and free services at the CAB do not have the capacity to help you, AND you are eligible for Legal Help (formerly Legal Aid) you may be referred to a CLS advisor

Tel: 0845 345 4345

Credit Action

A national money education charity associated with the Consumer Credit Counselling Service. Website based service with downloadable advice packs etc.

Talk About Debt

Free, independent debt advice website.

Fool.co.uk

This independent money saving website provides tips on how to save money across a variety of types of expenditure.

Money Advice Service

The Money Advice Service offers free, clear and unbiased advice about money.

Money Basics

Independent information about money, aimed particularly at young people and students. Linked to Credit Action and the Consumer Credit Counselling Service.

Business Debt line

Free, confidential and independent advice for self-employed people and small businesses. Associated with National Debt line.

Tel: 0800 1976 026 free phone

Advice UK

All members provide free and confidential advice, but not all provide money advice. To find your nearest centre

Tel: 020 7407 4070

Debt Support Trust

The Debt Support Trust is a not for profit debt charity with trained, friendly debt advisors ready to advise you on your available debt solutions.

The Debt Support Trust advisors can provide telephone or internet based debt advice.

You can receive debt advice by calling 0800 085 0226 or you can complete an online debt analyser which will give you an idea which debt solution is best for you by following the link below:

http://www.debtsupporttrust.org.uk

Bankruptcy-Insolvency.co.uk - Debt Advice Service

Bankruptcy-Insolvency.co.uk is a service for people with debt problems. The freephone service and online resource is confidential and non-judgemental. The specialist advice service is also able to assist consumers with Bankruptcy, Individual Voluntary Arrangements (IVA) and general debt advice.

Tel - 0800 074 6918 (Freephone)