If you prefer, you can get independent advice from a local advice agency, see below. Advice agencies have extensive experience of dealing with a range of debt problems and will be able to advise you on your rights and the benefits you’re entitled to.
Citizens Advice Bureau
Check your local directory for address & telephone number.
Community Legal Advice
0845 345 4345
National Debtline
FREEPHONE: 0808 808 4000
Stepchange Debt Charity
FREEPHONE: 0800 138 1111
Your local council may also be able to tell you how to get advice.