Nothing beats an expert's advice. So UK Debt Busters' fourth step is to get free advice.
Those with serious debt problems need advice. But be extremely wary of many of the debt counseling services currently being advertised. Most of these are commercial operations that are interested only in selling you more credit or charging a fee to manage your debts. They do not provide independent advice and can end up costing you an arm and a leg.
However, there are a number of helplines and advice services available. All will listen to your problem and suggest constructive steps you can take to get on top of your debts. They are: the Consumer Credit Counselling Service 0800 138 1111; The National Debtline 0808 808 4000 and Citizens Advice - the address and phone number of your local branch will be in the yellow pages.
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