When
you're in serious debt and worried about it, this guide should help a great
deal. Possibly you will find enough information in this guide to help you to
solve all your debt problems.
However,
in some cases you may need further information, particularly regarding your
legal position if things really have been left so late that the situation seems
totally unmanageable. In this case you might want to contact a debt councillor,
a solicitor or even, if you are being forced into bankruptcy, an insolvency
practitioner.
Advice
about how to manage debts is available from all Citizens Advice Bureaux. The
advice they give is free. You can find the closest one to you by looking in
your telephone directory. The name and address of their head office is given in
Section Fifteen.
If
you need to consult a solicitor you should try and find one who offers legal
aid and ask if you are entitled to this free service. Your entitlement will
depend on your circumstances.
If
you are being forced into bankruptcy then you may wish to consult an insolvency
practitioner. The fees for this will be relatively high, but they will not
expect you to pay them directly. They will be paid from the liquidation of your
assets.
You
can telephone the National Debtline on 0121 359 8501 for free confidential
information and advice. Their telephone lines are staffed on Monday and
Thursday between 10a.m. and 4p.m. and on Tuesday and Wednesday between 2p.m.
and 7p.m. If you call outwith these times your call will be answered by an
answering machine.
There
are a few Money Advice Centres around the country - if you have one near you
your Citizens Advice Bureau will advise, or you can find them in the phone
book. The advice offered by these centres is free of charge and, because they
specialise in advising people about money matters, if there is one which you
can visit it is a better bet than your CAB.
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