It's debt awareness week this week, so I might as well post this up in case anyone could do with any help.
I've been working with a debt charity recently called StepChange, who offer FREE and IMPARTIAL debt solutions to people. You might think that a lot of companies do this, but many aren't free or impartial at all, and many charge fees and amend their advice based on what gets them more money.
Stepchange offer advice on dealing with arrears on the rent, electric, gas, water and council tax, magistrates and criminal fines, CCJs, car finance and HP stuff...as well as help with managing credit cards, overdrafts, store cards, catalogues and so on. We can help by setting up debt management plans, token payment plans, give information on your rights...amongst other things. Ee can also help with lots of different kinds of insolvency proceedings - bankruptcy, DROs, IVAs etc - in case you've gotten yourself into some serious shit.
All information given is completely confidential and not shared with anyone outside the charity without your permission, and we're biggest debt charity in the UK are pretty well known amongst creditors too.
Website:
http://www.stepchange.org/
Telephone number: 0800 138 1111
Debt still carried a massive stigma so it can fucking cripple people, so just putting it out there