UK Wide Debt Advice Charity
Call us at 0800 085 0226
E-mail: contact@debtsupporttrust.org.uk


Second Opinion on Debt Advice

It's common to worry that you're making the wrong financial decision when it comes to debt. What one debt advisor recommends may not be the same as another, so getting a second opinion on debt advice received is a good idea.

2nd Opinion on Debt Advice

Most organisations will not ask you to part money for advice, certainly charities won't ask you to pay for debt advice. So, getting that second opinion can really help you decide on the next step to resolve your debt problem.

There are multiple debt solutions available and different ways people can offer these solutions, for instance

  • Are there upfront fees?
  • How quickly will the solution be set up?
  • Will you have to go into another solution first?
  • How will your assets (house, car etc) be valued?

Choosing your solution to debt is step one but you then have a choice over which organisation helps you become debt free. There are plenty of organisations to choose from and we're more than happy to help.

Should I Get A Second Opinion on Debt Advice?

It's always recommended to get a second opinion on debt advice. Debt Support Trust helps a large number of people who have been contacted by cold calling companies who explain that debt can be written off and then the person will be debt free.

Often when this happens the individual isn't aware of what will happen to their job, their house or if there are any other debt solutions available. So, we can then help fill in the gaps.

When deciding on the appropriate debt solution it's essential to know all the facts so you can make an informed decision. A second opinion on debt can help determine which debt solution is going to be best and give peace of mind that the right debt solution is being chosen.

If you would like debt advice, or a second opinion on your debt situation, a Debt Support Trust advisor is on hand to help today. To speak to an advisor please telephone 0800 085 0226.

Wednesday, March 06, 2013
Debt Support Trust
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Help With Debt

Debt problems can make people feel like they are alone and with no idea where to turn, however, Debt Support Trust is a charity which exists to support people who need help with debt.

After a 15 minute conversation with one of our advisory you will realise that there are solutions to your debt problem and you can become debt free again. For some people becoming debt free will take a matter of months, but for others it may take years. The important point is that you're taking steps to manage your debt and getting the necessary support and help with debt you need.

All conversations with anybody at Debt Support Trust is confidential.

Help with Debt

The first stage of any debt problem is realising there is an issue. Whether you've used all your credit, a payday loan is due to be repaid and you can't afford it or your credit card statement has just arrived, you can take the first step today to becoming debt free.

The help that can be offered for a debt problem will depend on the level of debt and the other financial circumstances. A £100 debt can be as difficult to manage as a £60,000 debt if the person is on benefits or has very little disposable income. We never judge the situation based on the level of debt - it's about finding a long term solution to a financial problem.

Problems Becoming debt free

You may have tried other debt solutions in the past and failed to clear the debt. Commonly, we help people who have entered a debt solution, such as a debt management plan, but ended up in more debt than when they started.

There are various routes to become debt free so if you're having problems becoming debt free speak to a charity which can help.

Help with a Debt Solution

Becoming debt free doesn't always require a debt solution. At times, simple steps and advice can make all the difference. Our trained experts will guide you through the process of resolving your debt should negotiating with creditors be the best option.

In other instances a debt solution is essential to help freeze interest and charges and create an affordable repayment plan. Most debt solutions will help you make one affordable monthly payment towards all of your creditors. Some debt solutions can even freeze interest and charges to help with debt problems.

There are positives and negatives to every debt solution and these should always be explained fully and considered before entering any debt solution.

If you would like honest debt advice to help you become debt free then speak to Debt Support Trust today on 0800 085 0226.

Wednesday, February 27, 2013
Debt Support Trust
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I've Been Missold an IVA or Protected Trust Deed

We help thousands of people become debt free at Debt Support Trust. The charity is committed to helping people who have debt problems find a route to become debt free again. One solution which is sometimes applicable is an IVA, in England, Wales or Northern Ireland and a Trust Deed in Scotland. However, many people contact our charity to say "I've been missold an IVA or Protected Trust Deed".

Mis-Sold an IVA

An Individual Voluntary Arrangement, or IVA, is suitable for about 10% of people who contact Debt Support Trust. The majority of people may have heard about an IVA through TV advertising, however, there are pros and cons which should be considered before anybody enters the solution.


An IVA allows a person to make an affordable monthly payment towards their debt for 5 years. Near the end of the IVA assets, like a house or car, are reviewed to determine if there is any equity. You are not expected to sell your house, but the equity would need to be released, typically through a remortgage or third party purchase. If this is not possible then the IVA can be extended for 1 extra year to cover the equity.

The Protected Trust Deed is the Scottish equivalent of the IVA but only lasts for 3 years. The property is dealt with differently in a Protected Trust Deed compared to an IVA.

With almost 50,000 IVAs and Trust Deeds in the UK every year it's a popular solution to deal with debt, but is it the right solution?

Fees for IVAs and Trust Deeds

Insolvency practitioners are required to propose an IVA or Trust Deed to your creditors. The fees for managing your case will run into the thousands, with some fees being £7,000 for the 5 years.

These fees are reviewed and accepted by your creditors, but high insolvency practitioner's fees means that less money will be returned to your creditors.

If during the course of the IVA or Trust Deed you inherited money and could afford to repay all of your debt, you would also have to pay for insolvency practitioner fees too.

Misselling of IVAs and Trust Deeds

It's a question we get asked a lot - have I been missold an IVA or Protected Trust Deed and sometimes there's an easy answer and others it's less clear.

Often we hear about people thinking they are in an IVA or Trust Deed, to only find that they are in fact in a debt management plan.

Before entering your IVA or Trust Deed were you told about the length of time your solution would last? This can often change during the course of the solution for multiple reasons. Were you informed about assets? Equity in a property, car, stocks, shares or bonds should be explained fully. Were you provided with every available debt solution? You may not wish to enter a debt management plan, debt arrangement scheme or bankruptcy but, if applicable, you should be informed of the pros and cons of this solution.

If you feel you have been mis-sold an IVA or Trust Deed you should first speak to the debt solution company. The company should then conduct and investigation and determine if you are correct. If they disagree with you then you can approach the Financial Ombudsman Service for free. They will then determine if you have a case.

Friday, February 22, 2013
Debt Support Trust
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Help With Council Tax Debt

Council tax is a priority debt, which means it's important to make this payment on time. However, that's often easier said than done, especially if you have other debts such as payday loans, credit cards, overdrafts etc.

So, if you need help with council tax debt problems then Debt Support Trust can help. We're a registered debt advice charity providing complete debt advice on a range of debt problems, from council tax debt through to credit and store cards.

I've not paid my council tax

If you have not paid your council tax bill then often the first stage is for the council to involve the bailiffs. The bailiffs will contact you via letter to request the money. If you fail to contact the bailiff they may then visit your property.

My council tax debt is at court

If you owe the council money for council tax then they may proceed to court if they cannot retrieve the money. At this stage they will apply to the magistrates' court for a liability order.  You can attend the court to explain the situation, if you wish. You will be responsible for the costs for the liability order which is £40.

The council proceed to court to obtain the liability order because it means they can then recover the money they are owed.

The bailiffs are involved with my council tax debt, what can I do?

If the bailiffs are already involved with your council tax debt then you can seek help from Debt Support Trust. One of our reliable debt advisors will discuss your case and provide tailored advice.

Bailiffs will contact you first before proceeding to court. The bailiff will want you to pay a reasonable sum of money towards the debt each month. You can negotiate with the bailiff to make a payment plan. Failure to maintain the payment plan will mean the bailiff will be back in touch.

Other ways council tax debt can be recovered

Council tax debt can also be recovered via a number of other methods. One route which is often used is via an attachment of earnings. This is where the council arrange to take the money owed directly from your salary. An attachment of benefit would see the money taken directly from your benefits.

The council can also place charging orders against your property or even make you bankrupt if the debt is large enough. In extreme circumstances  you can be sent to prison.

Are you getting discounts off your council tax bill?

Your council tax bill can be reduced depending if you qualify for one of the reductions. These discounts off your council tax include:

  1. Single person's discount: You can get 25% off the cost of your council tax bill if only one person lives in the property over the age of 18.
  2. If your property has been adapted because of a disability you may be entitled to a discount.
  3. If you are part of a Government transitional reduction scheme.

Help With Council Tax Debts

For confidential help with council tax debts you should speak to Debt Support Trust on 0800 085 0226. Our advice is available via the telephone and internet from 8am -7pm Monday to Friday.

If you have other debt too then you can complete our online debt analyser and receive immediate help 24/7.


Tuesday, January 22, 2013
Debt Support Trust
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Give Me Money

We met a woman recently who borrowed £20,000 from her friends and relatives by simply saying, "Give me money please". She also had a further £30,000 in unsecured debt to credit cards and personal loans.

Asking friends and family to "give me money" is understandable when times are tough financially but what happens if a friend or family member does give you money and you can't repay them?

Because the availability of credit is harder to come by people are also asking friends and family to borrow money in their name. The money is then repaid to the friend/ family member each month. However, who is liable and what happens if you can't repay the debt?

In some debt solutions your friends and family will not get all of their money back, which is why we're explaining the process.


Give Me Money: Borrowing money from friends or a family member

When things get tough financially there's often a friend we can rely on to help us get to the end of the month, every now and then. It's cheaper than borrowing money from a payday loan or credit card company.

But, what happens if your debt situation is far worse and you're not trying to borrow £20 but instead it's a lot more? Your friends and family may have the money, but can you realistically repay them?

If interest and charges have grown too large then you may be in a position to borrow money from friends and family to pay your debt then repay them each month. However, if your debt problem is too severe it's often best to seek professional debt advice from a charity.

Remember, if you borrow money from a friend or family and then enter a debt solution they may not get all their money back. We can explain fully and in-depth what this would mean for you. To speak to a debt advisor at Debt Support Trust please telephone 0800 085 0226.

Give Me Money: Borrowing money in a friend or family member's name

If your friends or family don't have the money to lend you they may borrow the money themselves to help pay off your debt. In exchange you would repay the money each month. This could be more affordable for you, however, it can be a problem in the long term.

At Debt Support Trust we are helping increasing numbers of people who are repaying friends or family who have borrowed money to help them out of debt. The friend or family member is then liable to repay the debt.

Often people not only owe their friend or family member but also credit cards, overdrafts and personal loans. A friend or family member is considered as a creditor in a debt solution, like the credit card company or bank. This can mean that debt solutions are more complex because a friend or family member may not be getting their money back as previously agreed, or worse still, they may not be entitled to get all of their money back at all.

Borrowing money from friends or family is a sensible solution to dealing with small debts, however, if the debts are larger or there are multiple different creditors then they may not get all of their money back. It can mean a difficult decision at a later date.

If you have serious debt problems and need help then Debt Support Trust is here to offer help and guidance. Our telephone number is 0800 085 0226.

You can also phone us if you have lent a friend or family member money and need help and advice.


Monday, January 21, 2013
Debt Support Trust
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Debts Written Off

Can You Really Write Off Debt?

The truth is that many people are misled by the thought they can simply write off debt. When in truth, not everybody can, or would want to enter a solution where they repay a proportion of the debt they owe. There are some debt solutions where you can write off the debt you cannot afford to repay so we're going to explain when and why you would want to enter these solutions and also who would not be applicable.

To check if you qualify for a debt write off solution call 0800 085 0226 and a charity adviser will help you. Alternatively, please complete the debt analyser below.


Debt Solutions to Write Off Debt

Worried About DebtOur charity receives thousands of calls from people in need of debt advice and each person is provided with tailored debt advice. Everybody wants to be debt free again but in some instances, people specifically want to write off their debt.

The solutions where a person may not repay all of their debt would be insolvency solutions. The solution would last for a fixed period of time and at the end of the solution any debt not repaid would be written off.

The debt solutions where this would happen would be an IVA, Trust Deed in Scotland or Bankruptcy.


When entering an insolvency solution, like an IVA, bankruptcy or a Trust Deed in Scotland, you must remember that assets are considered too. So, if you owe a car which has equity in it, usually above £3,000, or if you have equity in your home then this would be reviewed under an insolvency solution.

Debts Written Off

There are several solutions to debt which should be considered, but not all will write off debt. At Debt Support Trust we always explain why we would not recommend a solution as well as providing you with information on every available debt solution for you.

An example of an insolvency solution where debt may be written off would be if a husband and wife, living in England, collectively owed £40,000. The husband works while the wife cares for the 3 young children. The household has an income of £1,700 after tax every month and they live in rented accommodation. The family have no assets with any equity. The family expenditure every month is £1,400. The family is contracted to pay £800 every month in repayments to their debt, however they only have £300 available. This means each month they are getting further and further into debt and can't get debt free.

The indebted individuals would be able to enter a debt solution which would enable them to repay a percentage of their debt with any remaining debt being written off.

A debt management plan would last for 11 years at best. This debt solution would mean all of the debt would be repaid with no debt written off.

An IVA is a debt solution which is suitable for the couple. They could jointly enter the solution and make a £300 payment towards their debt for 5 years. At the end of the solution any debt which had not been repaid would be written off.  Over 5 years the couple would repay £18,000. The licensed insolvency practitioners would take their fees from this money and the remaining money would be shared amongst the creditors. All interest and charges would be frozen in an IVA and written off at the end of the solution as long as the monthly contributions were paid as per the arrangement.

Bankruptcy would also be applicable for the couple but would be entered individually. The husband would most likely be asked to make regular monthly payments in bankruptcy towards their debt. Because the wife is not working and is in receipt of benefits she would typically not be asked to make any monthly payments. If the couple did not qualify for a debt relief order then the cost to enter bankruptcy is £700 each. The bankruptcy would last for one year but the monthly payments would last for three years under what is known as an Income Payment Order. Any debt which had not been repaid would be written off at the end of the solution.

The debt management plan, IVA and bankruptcy would have a negative impact on a person's credit file, so this should be considered too before entering any debt solution.

If the couple lived in Scotland then they may be suitable for a Trust Deed. The couple could not enter a joint Trust Deed in Scotland so it would have to be two separate Trust Deeds. But, this would depend on the split of debt and it may be that the couple should enter different debt solutions.


When Would Writing Off Debt Not Be Suitable

The IVA or Bankruptcy may be the best solution for some people but in many cases we as a charity advise against it. This is because financially it doesn't make sense.

Under an IVA or Bankruptcy any equity in an asset must be released and passed to the insolvency specialist. So, if the couple above were living in a mortgaged property where the mortgage was £100,000 but the property was worth £250,000 then there would be £150,000 worth of equity. If the debt was £40,000 then Bankruptcy or an IVA would not be the right solution. Instead the best advice would be a debt management plan or to sell the house and downsize to repay all of the debt.

There would not be the opportunity to write off debt in this instance because the couple could reasonably afford to repay all of their debt.

Frequently we hear from people who have been advised to enter an insolvency solution and told they can write off their debt. The fact is that for many people it's not the right advice and could see them lose their assets.

If you've been told you can write off debt but you're not sure if it's the correct advice then get a second opinion from a charity. You can call Debt Support Trust on 0800 085 0226 or alternatively you can visit your local Citizens Advice Bureau for face to face debt help.

If you need help to decide which debt solution is best for you then why not complete our confidential online debt analyser. After completing the questionnaire which lasts for approximately 10-15 minutes it will give you a better idea which debt solution route is right for you.

Monday, January 14, 2013
Debt Support Trust
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Debt Help in England, Wales & Northern Ireland

Debt advice should always be tailored and specific to a person's personal and financial situation. There are different debt solutions for people living in England, Wales and Northern Ireland, compared to people living in Scotland.

Because of this we've focussed our latest blog story on the debt solutions available in England, Wales and Northern Ireland.

Our charity helps people across the UK with expert debt help and support. For debt advice call 0800 085 0226 to speak to a friendly advisor or complete our debt analyser for online advice.


Debt Help in England, Wales & Northern Ireland

There are a variety of debt solutions available to people with debt problems. These debt solutions are defined as formal or informal. The difference between the two types of solutions is important.

An informal debt solution is more flexible in nature. This means that if you did not want to continue the debt solution then you could cancel, usually with one month's notice. If somebody was managing the debt solution on your behalf and you cancelled the agreement then you would be responsible for making payments to each creditor. An informal solution will not provide you with any protection from your creditors.

A formal solution will provide protection from your creditors, unlike in an informal solution. So, if a creditor were to accept your formal debt solution then you would both be bound by its terms. A formal debt solution will last for a set period of time, at the end of which any debt which had not been repaid would be written off. The length of the solution will depend on the formal debt solution in England, Wales or Northern Ireland.

English, Welsh & Northern Irish Debt Solutions

There are various routes to help deal with debt problems if you live in England, Wales or Northern Ireland. To understand the correct debt solution for you it's important to seek professional debt advice.

Some of the debt solutions that exist are:


Token payments: When cashflow is a problem then it can often be best to negotiate with the creditors to make token payments towards the debt for a short period of time. This means you won't be making your contractual payments but will be repaying some of the debt each month. If you are unemployed or have a low income then this is often the best route.

Debt management plan: A debt management plan is a debt solution for people in England, Wales and Northern Ireland whereby a monthly payment is made to one company who will then distribute the money on a pro-rata basis to each creditor. The interest and charges will be asked to be frozen, however this is not mandatory in a debt management plan. The monthly contributions are made each month until the full amount is repaid. Remember, there are free debt management plans available so you don't have to pay set up fees or monthly management fees.

Full and final settlement: Another solution which you may be applicable for is a full and final settlement. If you have a lump sum of money available - but not enough to clear the full amount of the debt - then you can speak to your creditors about a pro-rata full and final settlement. This means you will use the money to repay a percentage of the debt with each creditor happy to write the rest of the debt off. For instance, if you could repay 70% of the debt in one lump sum then the creditor may be happy to write off the remaining 30%. Ensure you get the agreement from each creditor in writing before proceeding to make payments.


IVA: An IVA is a debt solution specific to people living in England, Wales and Northern Ireland. The IVA would allow somebody to put a proposal to their creditors, which if accepted, would mean one monthly payment is made towards the debt, usually for 5 years. At the end of the debt solution any debt which had not been repaid would be written off. Equity in an asset will be considered within an IVA so if you own a house which has equity this may not be the right solution for you.

Bankruptcy: Bankruptcy is a one year debt solution but you may be asked to make payments towards your bankruptcy for up to 3 years. Bankruptcy can affect your employment and assets, such as your house so be sure to seek professional debt advice before proceeding with this solution.

All debt solutions, whether formal or informal will have an impact on your credit file. Some debt solutions may impact your house, car and other assets while some can be detrimental to your job. Always seek debt help from a charity before proceeding with any debt solution.

Debt Help from a Charity

If you're struggling with debt don't suffer alone. Experts are available right now to help guide you through the process of becoming debt free.

You will make all of the decisions over which debt solution you ultimately choose, but we can explain the process of entering each solution, the positives and negatives of each route to become debt free and what it would mean specifically for you.

You can telephone for advice on 0800 085 0226 or email us at contact@debtsupporttrust.org.uk.

Thursday, January 10, 2013
Debt Support Trust
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Christmas Debt Help

Christmas is over and for many it's time to deal with their debt problem.

Each year, after Christmas and New Year Debt Support Trust will be at its busiest. We will help thousands of people during the months of January, February and March as people aim to find a resolution to their debt problems.

Whether it's a New Year's resolution to get debt under control or if you were just waiting to get Christmas out the way before seeking professional debt advice, at Debt Support Trust our charity is on hand to help.

New Year New Financial Start

It's often a New Year goal to become debt free in 2013. For a lot of people we help at Debt Support Trust, they have been in debt for years and can't face another year struggling to pay the bills and survive financially. They need help to break the cycle.

So, in order to help we need to understand the situation. To do this we ask about a person's income, expenditure and their debts. This helps to create an understanding of where the problem is.

Debt problems exist for many reasons and they vary for different people. The interest on debt can be the problem whereby the debt has become so severe that they can only afford the interest payment on the various debts. This means the debt isn't being cleared and a debt solution is required.

For other people, they have little or no money to be able to make the monthly interest payment towards their debts. In this instance we can help with a debt solution or to negotiate with creditors to make token payments.

Debt solutions will affect your credit rating and should be entered cautiously, however they can also help people in debt become debt free again.

Debt Solutions For 2013

If you want to become debt free in 2013 you can take the first step by seeking debt help today. There are charities available to help you become debt free. If you would like help from Debt Support Trust you can call us on 0800 085 0226.

Becoming debt free can take a number of years to accomplish, however, the negative aspects of being in debt, such as bailiffs at your door or threatening letters from creditors will be resolved quickly. Debt solutions aim to place you on a path to once again become free of unsecured debt. This includes debt such as credit cards, payday loan, overdrafts, store cards among others.

If each debt solution you will be asked to pay what you can reasonably afford. The debt solutions that may be applicable include:

Debt Management: A debt management plan is an arrangement between a person in debt and their creditors whereby they agree to make an affordable monthly repayment towards the debt. Interest and charges could be frozen.

Debt Arrangement Scheme: Similar to the debt management plan but is only available for people in Scotland. This solution is formal because it can protect somebody in debt from their creditors and help establish a legally binding repayment plan.

IVA: For some people IVA debt help is the best debt solution to help them become debt free. An IVA usually lasts for 5 years and at the end of the solution any debt which has not been repaid will be written off. This solution will consider equity in assets, such as a house, so speaking to a debt advisor is essential before deciding to proceed with this solution.

Trust Deed: Similar to an IVA, but for people in Scotland. The Trust Deed usually lasts for 3 years where a monthly payment is made towards the debt. Any debt remaining at the end of the solution is written off.

Bankruptcy: There are various routes to enter bankruptcy but it is one route to become debt free. Seeking professional debt advice is essential before entering this solution as it can affect your job, house, cars and other assets.

Get Debt Help in 2013

If you want to make 2013 the year you take the step towards becoming debt free then speak to a friendly advisor at Debt Support Trust. We listen to your situation in order to understand and recommend solutions to help you become debt free.

The telephone call will last for between 15 and 30 minutes and at the end you will have all of the appropriate debt solutions and be able to make an informed decision about how to become debt free.

You can call Debt Support Trust on 0800 085 0226.

Monday, January 07, 2013
Debt Support Trust
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Who Can Help: The Debt People in Our Charity

Our charity is a telephone and internet based support service which operates across the UK, Monday to Friday 8am - 7pm.

You can get immediate debt help online via our debt analyser and receive a follow up telephone call from one of our expert debt people.

Debt Support Trust comprises predominantly of volunteers and supporters who wish to help provide a high quality standard of debt advice. The volunteer who records your information will be very friendly, sympathetic and supportive to help resolve your debt problem. The debt people who provide our debt advice are experienced and able to explain fully every debt solution you would be applicable for.


Our Debt People

The debt people in our charity have spent years training to provide debt advice. We provide constant training and updates as legislation and rules change. The advice is instant from Debt Support Trust. If you call us today we will be here to help take you call. After completing an income and expenditure we will be able to give you debt advice there and then.

The people at Debt Support Trust dispensing the debt advice have a variety of backgrounds and a wide range of experience. The primary purpose for providing the advice is to help you become debt free.

Confidentiality in Debt Advice

At Debt Support Trust confidentiality is extremely important. Any information we gather is stored safely within our password protected database. The information is not sold, distributed or shared with anybody without your permission.

Everything you discuss on the telephone with our debt people is recorded, but again this is for training and monitoring purposes and will never be shared.

How do the Debt People Decide on the Right Debt Advice?

When we decide on the appropriate debt advice for you it's essential our debt people do so with great care. Our debt specialists have to consider the impact of the debt solution on your assets, such as your house and cars.

We also think about whether it's going to be practical long term to complete the debt solution, so as there is a definitive 'light at the end of the tunnel'.

There are plenty of debt solutions available and depending on your circumstances, we will explain all of the suitable debt solutions. To speak to a debt expert from Debt Support Trust please call us on 0800 085 0226 or complete our debt analyser.


Thursday, December 13, 2012
Debt Support Trust
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Payday Loan Companies Face Crack Down

Members of Parliament have created a new law which will give industry regulators the power to cap the annual interest rate payday lenders can charge.

Prior to this ruling some payday lenders are charging up to 5,000% annual interest on their loans. The demand for Payday loan companies has increased as the availability of other more affordable credit has been reduced. However, this form of credit comes with a warning.

Borrowing £100 and repaying £125 seems like a great deal for a short term debt problem, however, the average payday loan is considerably larger (£300). If this debt is not repaid on time then there are fees and charges which will be applied. Over a short period of time the debt can swiftly increase if it's not repaid on time.

The Financial Conduct Authority will have the responsibility to cap fees and charges but these are not likely to take place until 2014. However, there are no plans to minimise the number of rollover periods.

Don't Borrow For Christmas

With Christmas just around the corner it's expected record numbers of people are going to borrow money from a payday lender to afford their Christmas.

The short term benefit of Christmas can often mean months of repaying the debt, or worse still, to afford the payday loan you may have to borrow on top of debt. This means that the debt will only grow.

The period between January and April are our busiest at the charity providing debt help. If you're expecting a Christmas debt problem then get in touch with Debt Support Trust and we will help you resolve your debt problem and discuss suitable debt solutions.

You can get in touch with Debt Support Trust about a payday loan, or other debt, by telephoning 0800 085 0226.

Tuesday, December 11, 2012
Debt Support Trust
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