If you’ve found yourself struggling with debt during the economic downturn – or at any other time, in fact – you’re not alone. Every year, many people find repaying their debts a struggle.

For anyone who finds themselves struggling with debt, the right debt advice can make all the difference. There are a range of debt solutions that could help people in various circumstances, and the sooner you speak with a debt adviser, the sooner your problems can be addressed.

Is debt advice free?

• There is so much free debt advice available that there’s simply no need to pay for it.
• The only time you might have to pay is if that debt advice leads you to choose a debt solution that carries a fee (your debt adviser will explain this to you if it looks like a debt solution would be the best way of tackling your debts).

What debt help is available?

• When you first speak with a debt adviser, you will discuss your circumstances – in confidence – to establish exactly what kind of situation you’re in. For example, they’ll need to know how much you owe, how many lenders you owe money to, and how much you can afford to pay each month.
• From there, they can help you decide on the best course of action for clearing your debts. This could involve a simple reshuffle of your finances – improving your budgeting skills, for example, or identifying areas in which you could cut back – or, if your problems are more serious, your debt adviser might recommend a debt solution that could help.