Good information can help prevent people getting into debt problems in the first place by ensuring they understand their rights and responsibilities, know how to manage their finances properly and plan for their future.

With more serious and urgent debt issues, people need access to practical advice and support tailored to their particular circumstances that will ensure they can manage their situation and work towards a debt free future.

We bring peace of mind through education and understanding, reaching realistic solutions to debt problems and agreeing repayments that are achievable. Most importantly, our free services also mean that the debt situation is not made worse by having to pay debt management fees.

We have a range of services designed to support all members of our society. Our primary service is debt counselling and our advisors offer completely free one-to-one support to help deal with varying levels of debt problems. Our helpline advisors deal with the majority of individuals via a freephone number.

Our online counselling service, gives thousands more people instant access to tailored advice at any time of the day. This is free of charge and anonymous. Find out more about CCCS Debt Remedy.

Many of our clients can be helped with comprehensive, self-help information and advice. Those with more serious debt issues may need to pursue a structured plan with our help and supervision.

The quality of our counselling means that many creditors now accept our repayment proposals without further checking and the repayment records of clients we have counselled are uniquely good. This is because we follow the two key principles of best advice and sustainable plans.

In some cases, after a detailed budgeting review, debt management plans (DMPs) provide a way of repaying debts over time in a way that the individual can afford. We act as an impartial ‘broker’ and help all parties involved to set up the plan and agree to the terms. Clients can track the progress of their debt repayments through our online service.

In addition to DMPs, we can also help clients to set up Individual Voluntary Arrangements (IVAs) or Equity Release schemes. See more information on CCCS Voluntary Arrangments or CCCS Equity Release.

With so much experience in helping people tackle serious debt problems, we are in a unique position to provide practical advice about budgeting and the wise use of credit.

CCCS Money Matters is an innovative online service that provides tailored information and advice about sound financial planning. Read more about CCCS Money Matters