debt advice

[zzxxee]

help i am about 8,000 in debt have tried various debt managment companies and they charge a fortune the debts are mostly loans and cataloges yes i no ive been stuoid but i really need to sort this out, i want to have one payment to spread between them . i think i could manage around 90 pound a month please advise

[CheekyChops]

There are debt managament charities that will do the job for you without charging anything, try contacting one of these:

http://www.cccs.co.uk/

http://www.nationaldebtline.co.uk/

http://www.payplan.com/

The CCCS website has an online Debt Remedy where you can enter all your details of income and outgoings and they will suggest a solution. Or you can speak to an advisor.

You definately don't want to use any company that charges a fee, that money could go towards paying your debts.

[Rosetta]

Go to the Citizens Advice Bureau. They are excellent and do debt mnagement all the time.

[salannar]

I would urge you to consult your local Citizen['s Advice Bureau. Most have a self help debt management plan and we find that debtors feel much more positive once they are in control of their debt. CAB will help you with writing to your creditors and agreeing monthly payments you can afford and of course CAB advice is free. There are also various charity debt management organisations (which do not charge, they are funded by the lenders!) which the CAB may signpost you to. Good luck!