National Debtline provides free confidential and independent advice on debt problems.
Call 0808 808 4000 free, or follow this link to contact details and a confidential form.
The charity also runs a free Business Debtline, on 0800 197 6026.
The charity offers a four step plan to deal with your debts, available at this link.
The charity provides a series of detailed easy to access fact sheets, covering a range of topics - from dealing with debts, budgeting sheets to how to deal with mortgages and homeless together with a comprehensive list of FAQ's.
For sample letters to use to write to your creditors, click here.
My Money Steps is a free online debt advice service from National Debtline. It is free, confidential and simple to use and will tell you what options you can choose from to deal with your debts and give you a personal action plan to help you manage your money.