What will professional debt advice cost me?

There is a wealth of debt advice available to people who are worried about their debts.

The good news is that in almost all cases, debt advice is free - so if you’re having problems with your debts, you should not hesitate to contact an expert debt adviser to establish the best way of tackling your debts.

When should I get debt advice?
In short, you should get debt advice at the first sign you’re having problems repaying your debts. The sooner you speak to someone who can help, the sooner your debt problems can be addressed.

Even if you’re not struggling now, there could be signs of trouble to come. A few examples might include:

• you have overdraft debts that aren’t going down
• you are only able to make the minimum payments to your credit card debts
• you frequently find yourself spending some of next month’s salary in advance.

If any of these apply to you, you should speak with a debt adviser about ways of tackling your debts before they become unmanageable.

On the ‘other end of the scale’, there are people with severe debt problems. If you simply can’t afford to stay on top of your debts - even if you don’t think you’ll ever be able to repay them in full - a debt adviser could still help you find a solution that will help you clear your debts and improve your financial situation.