Non-profit debt counselling with someone who is paid to help you on a one-on-one basis is often the first place to start if you’re in debt crisis. CCCS, National Debtline and Citizens Advice Bureau all offer free advice and they’ll be able to show you how to prioritise the most important debts and may even set you up on a debt management plan.
Unfortunately it can sometimes take a while to get an appointment so using the information on their website can help while you wait. There are also local debt counselling charities such as Christians Against Poverty that may be able to help.
For those who are not in debt crisis, but would like to talk to someone about their financial situation, there are debt counsellors who will charge an hourly fee to set up a debt management plan (they will also be able to deal with stress, anxiety and depression which financial problems can often cause).
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