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“I was in a panic and my counsellor was so helpful. Not once did I feel a failure. I also had an email address given to me which was a great help. Everything she told me came right in the end.”
About CCCS

Anxiety arises from uncertainty. If you don't know the outcome of a situation, it's human nature for the mind to imagine the worst possible scenario.

So, if you have a question about money, budgeting, creditors or bills that's not answered here, you can ask one of our counsellors. You'll receive a fast, personal response to your question based upon their years of experience.


General Help

Help! My outgoings are more than my income. What do I do?


About CCCS

Who are you and what do you do?
Who can you help?
How do I get in touch/what are your opening hours?
How do I arrange an appointment with a Counsellor?
What should I do while I am waiting for my appointment with you?
Can you give advice on consolidation loans/obtaining further credit?


Arrears

I have mortgage arrears. What should I do?
I have Council Tax arrears. What should I do?
I am in arrears with my gas/electricity/phone bill. What should I do?


Legal

Am I liable for my partner's debts?
If I die does the debt die with me?
What should I do if I receive a County Court Claim form?
When can a creditor take me to Court?
What should I do if I can't afford to pay the amount set by the Court?
What effect will a judgment have on my ability to obtain credit?
How can I find out what is on my credit file?
What happens if I fail to make payments under a CCJ?
What are County Court Bailiffs allowed to do?
How long can I be chased for a debt?
What happens if I owe money but have left the country?
Does receiving help from CCCS affect my credit rating?
How can I repair my credit rating?


Creditors / Collections

It feels like my creditors are harassing me, what are my rights?
What action can my creditors take against me?
What should I do if my account has been passed to a Debt Collection Agency?
What if they're threatening to send debt collectors to my house?
What should I do? - They want the balance in full
What should I do? - I've received a Default Notice
What should I do? - I've received a solicitor's letter
What if my creditors refuse my offer of reduced payment?


Benefits

Where can I find out how much benefit I am entitled to claim?


Debt Management Plan

What is a Debt Management Plan (DMP)?
What are the benefits of a DMP?
How much will a DMP cost?
Can anyone have a DMP?
How long does a DMP last?
Will my payment remain the same throughout the life of my DMP?
How will I know my creditors are being paid?
What effect will a DMP have on my credit rating?
Will my creditors stop charging me interest if I set up a DMP?
Do my creditors have to accept the payments I offer them?


Bankruptcy Advice

What is Bankruptcy?
How does Bankruptcy work?
How much does Bankruptcy cost?
How will I afford the Bankruptcy fees?
How do I make myself Bankrupt?
Will I have to go to court?
Can my creditors make me Bankrupt?
Will I still have to pay my creditors after I’m Bankrupt?
How long does Bankruptcy last?
Are any debts excluded from Bankruptcy?
Will I lose all of my possessions?
What will happen to my home?
What will happen to my tenancy?
Can I give away or sell my assets?
Who will know?
What restrictions will be placed upon me?
How long will the restrictions last?
Will I lose my job?
What about my pension?
What will happen to my credit rating?
Will I be able to use credit in the future?
Will I be able to have a bank account?
Will my Bankruptcy affect anyone else?
I’m self-employed. How will Bankruptcy affect me?
I live abroad. Can I go Bankrupt in the UK?
What are the alternatives to Bankruptcy?
I think Bankruptcy might be the option for me. What should I do next?


Individual Voluntary Arrangements (IVA's)

What is an Individual Voluntary Arrangement (IVA)?
What are the advantages of an IVA?
Are there any disadvantages to an IVA?
How do I get an IVA?