Debt Problems

Getting Advice

Citizens Advice Bureaux (CAB)

Look in the phone directory for your local branch. They can advise you on how to handle your debts and approach companies on your behalf.

Check www.adviceguide.org

Money Advice Centres

These offer free and independent advice on debt problems. Money Advice UK/Wales are on 01476 594970 and Scotland 0141 572 0237

The National Debtline

Free information and help they are open Monday to Friday 9am to 9pm and Saturday from 9am to 1pm.

Freephone 0808 808 4000

www.nationaldebtline.co.uk

Dealing With Debt

If you have too many debts that you cannot repay, you have four choices ;

1. Ignore the Problem
2. Contact the person or company you owe money to
3. Seek free advice from a money advice worker
4. Apply for bankruptcy

If you ignore a debt, your problems could be increased by

- gas or electricity disconnection
- court action
- losing your home / tenancy
- bankruptcy
- being threatened with prison
- increased charges and fines

THE SOONER YOU SEEK HELP THE EASIER IT IS FOR PEOPLE TO HELP YOU.