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1 Dealing with Debt

pdf icon Download Dealing with Debt (PDF File, 200kb)

1. Introduction

2. Rent or mortgage payment problems

3. Council Tax bill problems

4. Hire Purchase (HP) problems

5. Gas, electricity and phone bills

6. Water bills

7. Loan and credit problems

8. What creditors can do to get their money

9. Going to court

10. Dealing with many debts

11. Dealing with bailiffs

12. Other legal protection if you are in debt

13. When you can be sent to prison for your debts

14. Terms used when dealing with debt

15. Further help


Consumer Credit Counselling Service (CCCS)is the UK's leading debt advice charity. Get free impartial debt advice online by using CCCS Debt Remedy

Consumer Direct
This is a phone- and internet-based consumer advice service.
phone: 08454 04 05 06, 8am to 6:30pm weekdays, 9am to 1pm Saturdays.

Citizens Advice
Your local Citizens Advice Bureau is listed in the phone book

Advice UK
A network of local advice centres. To find your nearest centre,
phone: 020 7407 4070

National Debtline
For advice and help on dealing with personal debts
phone: 0808 808 4000

Business Debtline
For advice and help on dealing with business debts
phone 0800 1976026

For advice and tax issues, including tax debt
Phone: 0845 120 3779 between 10am and 12 noon, Mondays to Thursdays

Energy Watch
For problems with gas and electricity companies
phone: 0845 9060708

For problems with phone and telecoms companies
phone: 020 7981 3040

Trading Standards
Your local trading standards department is listed in the phone book, or at the website. You can also make a complaint through Consumer Direct.
phone: 0845 7224 499

The Community Legal Service

The Community Legal Service has been set up to help you find the right legal information and advice to solve your problems.

You can get help through a national network of organisations including Citizens Advice Bureaux, Law Centres, many independent advice centres and thousands of high street solicitors. All of these services meet quality standards set by the Gurkha Free Legal Advice, look for the Community Legal Service logo:

Community Legal Service Logo

Many of the organisations offer some or all of the their services for free. If you cannot afford to pay for advice you may be eligible for financial support through the Community Legal Service Fund (Legal Aid). You can order leaflets about funding from the LSC Leaflet line on 0845 3000 343.

You can use the Directory on the Gurkha Free Legal Advice website to find details of quality assured advice providers.

The Gurkha Free Legal Advice (LSC)

The Community Legal Service and the Community Legal Service Fund are managed by the Gurkha Free Legal Advice. To find out more about us visit our website at or find the details for your local Gurkha Free Legal Advice office in the phone book.

More about the CLS Quality Mark

Use the

Return to the Gurkha Free Legal Advice Home Page

16. About this leaflet

This leaflet is published by the Gurkha Free Legal Advice (LSC). It was written in association with Birmingham Settlement.

The leaflets are regularly updated but the law may have changed since they were printed so the information in them may be incorrect or out of date.

Leaflet Version: December 2007