When the credit card and other bills keep adding up and there seems to be no way out, it becomes a panic situation.  When you lose control over your financial situation and are at a loss to find a solution, you should first seek a confidential friend who is considerate with whom you can discuss and advice you on the possible steps you can take to resolve your financial crisis.  This is a very important step as you can seek free legal advice that would lead you to take control of the situation for helping you to resolve your debt problems.

Online Credit Advice Forums
 
Credit Advice Forums online are the best place to go for free debt advice.  Thousands of people with debt problems use the service every month and get relief. The forum has members who have been in the situation or those who are in similar situation like yours.  The exchange of ideas and experiences in the debt advice forum can give you some bright ideas and solution to get relief from debt. There are some charitable organizations that offer free legal advice for debt resolution. They have experts in the subject as it requires specialized knowledge to offer debt advice.  You can turn to them if they are available in you area.  There are some companies that offer initial consultation free hoping that the client may take sign up for their paid service later on.  Some private money advisors also offer free debt advice.

Charitable Organizations

In the UK, there are two charitable organizations that provide free advice on debt relief. The Citizens Advice Bureau (CAB) and The Consumer Credit Counselling Service (CCCS) offer debt advice free of cost. The debt case workers here are highly qualified money advisors and offer quality debt advice. Once you accept their advice, they will also contact your creditors on your behalf to negotiate with them depending upon your situation.  

The Consumer Credit Counselling

This is a non-profit organization offering free advice on debt relief.  They are funded by the players in the credit industry.  Besides offering free advice they also will negotiate with the creditors and recommend a debt management plan for you if that fits your situation.

Debt Management

Debt management is for those who do not want to refinance their existing debts. The professional debt managers will formulate a plan for paying off the debts in reduced monthly payments. The process involves making a financial statement to arrive at the exact amount that you can pay to your creditors after meeting living expenses and other essentials.  The remaining amount is divided among the creditors fairly and offered in an informal arrangement.  These informal arrangements stand the risk of being cancelled by any of the creditors. Most leading debt managers make sure that the arrangements are observed strictly.  The creditors are aware that courts would not favour the creditors who ignore the informal arrangements especially when the case has reached the point of County Court Judgment or in an IVA.