A: If you are having trouble managing your finances, don’t despair – there are a number of places you can get free, unbiased advice.
Citizens Advice provides free, confidential and independent advice from over 3,000 locations, including GP surgeries, hospitals and colleges. Advice is also available over the phone – 08444 111 444 (England); 08444 77 20 20 (Wales) – or it may be possible to arrange home visits and get email advice in some cases. For self-help debt advice, check out the Citizens Advice advice guide.
Christians Against Poverty is a national debt counselling charity, with 218 centres based in local churches across the country. The charity also offers home visits if you live in a postcode covered by one of its debt centres. You can call them on 0800 328 0006, email them on firstname.lastname@example.org or visit capuk.org. This is not a Christians-only charity – they help anyone, regardless of beliefs.
StepChange (formerly the Consumer Credit Counselling Service – CCCS) is a charity providing free, impartial debt advice over the phone. You can call the StepChange helpline – 0800 138 1111 – 8am to 8pm Monday to Friday and 9am to 3pm Saturday. Alternatively, use its online advice tool, Debt Remedy, anytime.
The National Debtline offers debt advice for people living in different parts of the country, as law regarding debt differs depending on where you live. You can call 0808 808 4000l 9am to 9pm Monday to Friday, and 9.30am to 1pm Saturdays.
Andrea Ventress, money expert
HAVE YOUR SAY! Have you got more advice to offer on this question? If so, make sure you add a comment in the box below. Plus, if you’ve got a great money saving tip, send it to our money expert for a chance to win £25!