It can be tempting to do nothing and just hope things will sort themselves out, but if you start to miss payments, your creditors can put you under increasing pressure to settle the arrears.

If you're already in this situation, don't be bullied into agreeing to pay more than you can afford, because that will make your problem worse rather than solve it.

Where to find debt help

If you need debt help, it can be difficult to know who to turn to. If you look on the internet there are many different companies offering different solutions and knowing where to start can seem daunting.

Some companies only offer one debt solution, such as an individual voluntary arrangement or a debt management plan. If a company only offers one solution, they may persuade you that this is the best solution for you, even if another solution may be more appropriate.

At CCCS we can look at every debt solution available to you. We will take an impartial view of the situation in detail and tell you about all of your options so you can be confident that the solution we recommend is the best answer to your debt problems.

What does debt help cost?

We are a charity, so there are no fees for any of our help or advice. However, there are many profit-making debt management companies offering advice, support and a solution to your debt problem. But you will have to pay for any advice, help or solution they offer. This may be an upfront fee, or a monthly fee.

We believe that if you have debt problems the last thing you need is to be is charged. That’s why all of our advice and support is free of charge.