Debt solutions

So many options

There are so many ways of resolving your debt problem, it is often confusing to know which way to turn. We provide personalised debt counselling which enables us to assess your individual circumstances and provide you with the most suitable recommendation based on best advice and over 15 years of experience.

Personalised debt solutions

If you want to know what solution is best for your we recommend you call our helpline or use our online debt counselling service to get tailored advice. Our services are entirely free of charge.

This section will provide you with information on the different types of debt solutions available along with practical tips about things to consider.

FAQs

Can a debt management plan with CCCS stop interest and charges on my debts?

Northern Ireland > Debt solutions > DMP

A debt management plan is not a legally binding agreement. Your creditors are not obliged to freeze the interest on the debts you have. However, we do have excellent relationships with creditors and we do request that they stop any further interest being added and charges being made.

Will my creditors stop the interest and charges?

Northern Ireland > Debt solutions > Temporary repayment plan

Creditors may consider freezing interest and stopping charges to give you an opportunity to improve your situation. It is at the discretion of the creditors to do this as they are not legally obliged to do so.

Can you offer me a consolidation loan?

Northern Ireland > Debt solutions

We do not offer debt consolidation as a service, and we will not refer you to any organisations that do.

If you are having difficulties in paying your creditors, there are better solutions to your situation. Please use our online debt counselling service, CCCS Debt Remedy, or call our helpline for further advice.

Can you offer me advice on finding a new mortgage?

Northern Ireland > Debt solutions

We cannot provide advice when it comes to finding a new mortgage product you should always seek advice with an independent mortgage broker.

If you are in financial difficulty and a re-mortgage may help with your situation, we will be happy to provide you with details of a reputable fee-free mortgage broker after you’ve had an appointment with one of our debt counsellors. To book an appointment, please contact our helpline.