Sorting Your Debts PDF Print E-mail

Blank PaperWhere debts are concerned we start with a blank piece of paper and add everything up - no matter how much.  

We then go over your debts with you, to help you to decide what's important and what's not.

In the current state of affairs with the economy it is difficult not to be aware of the attention being directed at debt, whether on a national, global or personal level. Most people borrow money from time to time and problems can arise when people start to find it difficult to meet repayments, often through circumstances beyond your control e.g. changing or even losing jobs, sickness, change at home – people moving in or out., .etc. 

Sadly some people just bury their heads in the sand and hope the problems will go away – they won’t go away though and won’t get any better until people face up to them. If you think this may be you try this online debt test and see how you get on

Importantly it can become very stressful for you and those close to you. Recently a specific website has been launched for people to specifically seek help during the credit crunch.

You can find out more on and search for Credit Crunch or ring 0300 123 2000, which is a free call from any network

The major theme of this page is to let you know that there is plenty FREE & CONFIDENTIAL help available. In the papers, on the internet and on radio and TV there is a bewildering range of companies who offer to ‘sort out your debts’. What they don’t tell you is that quite often there is a charge, or a percentage to pay. It’s annoying when there is advice available over the telephone, via the internet or face-to-face, and it’s all FREE.


As part of the Clean Slate service we will always listen to your problems and help you prioritise whatever debts you may have. We also can refer you for further assistance to the following organisations:

Citizens Advice Bureau – offer free, confidential advice from over 3000 locations across the UK. Advice can be face-to-face, via telephone and on occasions home visits can be arranged. CAB look to help resolve debts issues as well as benefits, housing, legal, immigration, discrimination, employment and consumer issues. Their website offers practical, reliable and up-to-date information on a wide range of subjects in a variety of languages. You can find your local office at

DAWN Advice – 0845 345 4 345 – a not-for-profit organisation that works on behalf of Community Legal Advice assisting people with social issues such as debt but also able to advice on housing, welfare benefits and employment law. DAWN operate a telephone service but are also able to provide outreach appointments at appropriate locations.

National Debtline – telephone 0808 808 4000 - provides free, confidential and independent advice on how to deal with debt problems. There is also an email enquiry service available at although there may be a slight delay in replying to you at busy times

Consumer Credit Counselling Service (CCCS) – telephone 0800 138 1111 – a registered charity offering free, confidential support to anyone who is worried about debt. CCCS offer a debt remedy service to check for the first warnings about debt issues. It’s available on