A debt management plan can be the perfect solution for many people but everyone's circumstances are different, and what works for some might not work for you.
A debt management plan isn't suitable where you are struggling to pay your essential living expenses and you have no money left over to pay off your debts.
There are a number of alternative solutions you can take according to your circumstances. We can also help with these. Visit CCCS Debt Remedy and we can assess your finances and recommend the right debt solution for you.
This section of the guide describes some of those other solutions and the situations they apply to. The items covered in this section are:
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