Fighting Debt in the UK

Finding yourself in debt is never pleasant, and receiving letters and phonecalls demanding money you don't have can be intimidating. Getting motivation to deal with the problem can be tough and sometimes it can feel easier to ignore the problem.

BUT there is a lot of help in dealing with debt, no matter the size or what for it is for. Just looking around the internet and media shows how wide this problem is. Sometimes there is too much to look at and knowing where to start can be difficult.

This is a basic user's guide filled with information on where to start and what you can do to deal with your debt. There are details of free professional help and advice available for you, templates to use and more tools to get you started.

This site has been created purely as a guidance tool to help those struggling with debt. Knowing where to start is very scary and having dealt with debt, this is my page to help you with what I learnt.

I am NOT a legally qualified advisor, nor have I any associations with any debt agencies. Always contact a solicitor and/or the Citizens Advise Bureau if legal advise is needed.

There is a lot of help and guidance available, but finding can be lengthy. When you have demanding letters and phone calls, sometimes a quick response is needed even just to reassure that help is available. I have had help from many sources which I will go into more detail.

Have a look through the site. There is lots of information, like a list of debt agency alternate numbers that are cheaper to call then the 0870 some ask you to use. I have also compiled a list of companies and websites available for further help, a faq sheet for understanding language used and template letters you can send. I hope that you find this site helpful.

Remember, I have also been where you are. You are not alone and the thousands of websites full of information and people asking for help is proof of that. You will eventually get to the stage where you are not too scared to answer a ringing phone or open a letter anymore.