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Monday, 19 March 2018
STRUGGLING with debts? Citizens Advice can help.
More people saddled with unmanageable debts are turning to Citizens Advice, leading the charity to call for people to seek help before they reach crisis point.
Nationally, a rising number of people has resorted to a debt relief order since the amount of debt covered by such an order rose from £15,000 to £20,000 in October.
These orders are a last resort for people who have exhausted all options for repaying their debts and won’t be able to pay in the near future.
They work by “pausing” most of your debts for a year so that your creditors can’t chase you for repayment.
At the end of the year, unless your circumstances have changed, your debts will be written off. Debt write-offs can have a serious impact on people’s credit rating, which makes it more difficult to take out more credit agreements or even open a new bank account.
Citizens Advice is now urging people who are failing to keep on top of their debts to seek advice early, so that they have the best chance of managing their debts and avoiding debt write-offs.
An adviser stresses: “We will discuss your individual situation and look at the options available to you, so that you can make an informed decision about the best kind of debt management for you.”
For further help, visit www.citizens.advice.org.uk call 03444 111 444 or drop in to your nearest Citizens Advice. For locations and opening hours, visit
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