Debt Advice Services

If you are experiencing financial difficulties you don't need to struggle through alone - there are lots of local and national advice services who can give you the advice and support you need and help you deal with stress.

Advisers working for these organisations are fully trained and understand how worrying it can be when your finances get out of control. They are non judgemental and they won't tell you what to do. They will explain your options and possible outcomes of different courses of action. You will be encouraged to make your own decisions and act on your own behalf, but support is available if you need it.

See "Contact This Service" for details of local advice services

You can find links to the websites of  FREE local and national services below. These services are confidential, independent and impartial.

WARNING: You should avoid debt help or loan consolidation companies that advertise on the TV or newspapers. These are commercial business and are there to make money. They may be able to help you lower your monthly repayments but you will  end up paying more. 

Article		Description
	Reading Citizens Advice Bureau	free, impartial, independent, confidential money, debt and housing advice
	Reading Community Welfare Rights	Free, independent and confidential debt, benefits and housing advice
	Age Concern Berkshire	Local advice and information service
	Age Concern: Income and Pensions	Advice and Information
	Community Legal Advice	free, confidential and independent legal advice
	National Debtline	Free, impartial, confidential debt management advice on-line or by phone
	Directgov	Information and advice on money matters
	Debt Advice Foundation	A UK registered debt advice charity offering free, confidential support and advice to anyone worried about debt
	NHS Credit Crunch Stressline	Advice, support and help in dealing with stress from the NHS
	The UK Debt Help & Insolvency Helpline	Interactive online resource offering direct access to advice on debt and insolvency issues