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DEBT

Do you know someone who is having problems with Debt or has difficulty with managing money? If so there are a number of organisations (see below) that can give help, or please ask them to contact me for advice.

ORGANISATIONS

Christians Against Poverty
08003280006
CAP is an award winning debt counselling charity. Its HQ is based in Bradford and offers help to people in debt through a combination of advice, financial education, budgeting and insolvency services. From time to time it runs free budgeting courses in Berkhamsted comprising three sessions.

Citizens Advice Bureau
Hemel Hempstead 0844 411 1444
See also www.dacorum.gov.uk/creditcrunch.

Step Change (CCCS) (Consumer Credit Counselling)
0800 1381 1111
www.cccs.co.uk

National Debt Line
0808 808 4000
www.nationaldebtline.co.uk

Advice UK
Gives debt free independent advice
0800 197 6026
www.adviceuk.org.uk

Credit Action
Much good advice for students, employees, unemployed etc.
www.creditaction.org.uk

BUDGETING

Of course debt problems might not be severe but help is sometimes needed to cope with temporary or constant credit problems. In these difficult times Budgeting is more important than ever. It can be surprising how Budgeting can identify problems not immediately apparent. Again please contact me on 07731991971 if I can help. In addition if someone would find it helpful to accompany them to their Bank, the CAB or any other financial institution Id be happy to help.

Free Service!!!!!

Chris Stoneman February 2013