• Chiltern Debt Management

  They work on their customers behalf and deal with their creditors and aim to consolidate existing loans interest and charges frozen. They also try to negotiate greatly reduced monthly payments and help customers become debt free within 60 months.

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  Cutyourdebt

  Cutyourdebt offers a variety of debt solutions, including debt management programs and IVAs for people struggling with unsecured debts (loans, credit cards, storecards and catalogues). Cutyourdebt helps people who are in debt by restructuring their finances and negotiating with their creditors to reduce their payments and freeze interest.

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  New Tomorrow

  New Tomorrow are a debt management company based in Scotland specialising in IVA’s (Independent Voluntary Agreements) and PTD’s (Protected Trusted Deeds) in Scotland. They are therefore unique in being able to offer coverage to the UK for people who require debt management for over £15,000.

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  Solve My Debt

  SolveMyDebt offer immediate UK debt solutions from Debt Management, IVAs and Debt Consolidation. They only employ experienced debt advisers, and have helped thousands of clients with financial difficulties regain control of there finances.

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  WorkingCapital4U

  WorkingCapital4U is partnered with one of Europe's leading providers of business cash advances. In a market where it's increasingly difficult to get a business loan, cash advances provide a vital alternative for businesses looking to fund expansions, equipment purchases, debt consolidation and more.

Dept Management Loan Resources

OFT (Office of fair trading)

Information about the OFT fact-finding study into debt consolidation

Over Indebtedness

The term over-indebtedness is used to describe debt which has become a major burden for the borrower. Over-indebtedness can be caused by, and contributes to, social exclusion, financial exclusion and poverty.

Legal Services Commission

They run the legal aid scheme in England and Wales and provide information, advice and legal representation to help about two million people each year get access to justice. The Community Legal Service (CLS) helps people with civil legal problems such as family breakdown, debt and housing. The Criminal Defence Service (CDS) helps people who are under police investigation or facing criminal charges.

BBC - Golden debt rules

Meg Van Rooyen from the National Debtline gives her golden rules for dealing with debt and steering clear of the pitfalls.

Citizens Advice - Debt In England

Citizens Advice is an operating name of the National Association of Citizens Advice Bureaux and helps people resolve their legal, money and other problems by providing free, independent and confidential advice.

Also see: Help with debt

Directgov - Managing debt

Debts and arrears, court claims and bankruptcy and how to plan your way out of debt

National Debtline

Free debt advice and support for people with money worries and debt problems in England, Wales & Scotland. As part of the Money Advice Trust, the advice offered is free, independent and confidential.

Guardian - Debt consolidation Calculator

A calculator that aims to help you to see a complete picture of your debt, and to work out how to make it less of a problem. Just enter all your debts - credit cards, loans, store cards etc, and the calculator will show you how much interest you owe, how much it's costing you each month, and when you will finally pay it all off. The calculator will also show you the impact of taking out a single loan to pay off all your debts.