Although there are thousands of web sites and companies who will promise to help you manage your debt, you will often have to pay for their advice and services.
If you’re struggling with debt already, extra expenses are definitely NOT what you need.
If you’re thinking about debt consolidation as a solution for your debt problems, then the Guardian Unlimited web site has a consolidation calculator" href="http://money.guardian.co.uk/calculator/form/0,1456,590748,00.html">Debt consolidation calculator which will help you see if consolidation is an appropriate strategy for you.
Consumers can now get help to keep better control of their borrowing, with the launch of a new online ‘debt test’ developed jointly by the Financial Services Authority (FSA), the BBC, and Experian credit reference agency.
The BBC have a simple 5 step guide to handling debt problems, titled The Golden Rules of Debt.