Debt Management Advices

Who do you recommend in the uk for financial advice & debt management,and help in all sorts of financial?

difficulties.What are your views on both C.C.C.S. and The Citizens Advice Bureau?Are they any good?Is anyone with Payplan or Credit Action? Does anyone recommend bankcruptcy,rather than say debt management?or is it better to just stick to doing debt management even if it takes ten yrs or more to clear all your debts?I am a divorced single middle aged mum who cant work as i'm disabled,i'm on benefits,and the stress and pressure and worry about all my debts AND being behind on several household bills is just too much for me to cope with any longer.I've also got a contract phone thats a struggle to keep on top of.I'm only two months in to a 18 month contract.I only got a contract as i saw a mobile i liked but obviously could never afford to buy so the only way to get it was to take out a contract.I didnt expect this but my first bill was pro-rata and more than the £35 a month i was told,and it came in 10 days after taking out the contract.I thought it wouldnt come in for a month.

Public Comments

1. You'll get tons of free advice on the message boards at moneysavingexpert.com :o)
2. To be honest, it would be in your interest to contact the UK Insolvency Helpline - http://www.insolvencyhelpline.co.uk/ A freephone service - excellent.
3. Don't worry. Your debs are so small compared to many others. Go to the Citizens Advice for FREE advice, they will sort it all out for you and contact the companies involved. DO NOT go to any company that charges you.
4. Get yourself an appointment with the CAB as soon as possible...
5. You haven't really said you are in debt just that you are having problems paying day to day bills. As you are unemployed a you could not do a debt management plan, or IVA as it is called, you have to be working for that. Contact CAB, they were fantastic with me. Don't know if you can go bankrupt either but they can help in contacting you debtors and maybe come to some arrangement with them to ease your burden. Other option is get a job A.S.A.P. Sorry missed the bit where you are disabled. Are you getting all the benefits you are entitled to. Check with Jobcentre
6. to be honest I think they all are rubbish reason being is that I work for a major energy company and believe it or not when people have no money the first thing they 'forget' to pay is their electricity and gas bills. I deal with the correspondence sent in and we get thousands of letters a week from the CAB, Payplan, Christians against Poverty(CAP) to name a few all with extensive lists of how much debt their client is in and why they cant afford to pay the the electricity and gas they are using. They come up with ridiculous payment arrangements like £1 per month to pay off £1000 debt. That would take 80 years to pay off!!! are they for real. I feel like calling them and asking them what the hell are they getting paid for. People have their prioities all wrong. maybe go to them for a little advice but dont get them to try and sort out arrangements for you as majority of them will get turned down as they are so outrageous.
7. I have been in your situation and I went to the CAB office and they were brilliant. They were able fend off the debt chasers so that I had time to think and sort myself out. They even arranged a free session with the solicitor so that I was not reposessed. Ironically I am training to be an accountant and am three years away from being a chartered accountant. Please use the CAB office and do not miss any appointments.