Has anyone used Debthelp?....greenspun.com : LUSENET : Repossession : One Thread
Has anyone used companies like Debthelp or others?, can they really help and how do they help?
-- Gennie (firstname.lastname@example.org), October 15, 2001
Steer clear - they do nothing you cannot do for yourself, and they charge a fee into the bargain.
If you are genuinely having debt problems, the first people you should contact are (is ?) your lender(s). Explain the situation to them - most are sympathetic and will try to help you out, especially if the situation is temporary. Remember it's not in their interest to go to court, they'd far rather reach an amicable arrangement.
It would be helpful if you could give us more details as to WHY you want to use debthelp.
Lastly, I don't wish to detract from the value of this site - but it's primarily aimed at people with mortgage/repossession problems. It's worth visiting:
Look for Dealing With Debt - there is a wealth of really good information there for people dealing with debt.
-- Chris (email@example.com), October 17, 2001.
This info is taken from AdviceGuide of the UK and Scotland. And there is also a link to the Citizens Advice Bureaux. http://www.adviceguide.org.uk/nacab/plsql/nacab.homepage
National Debt Line. The National Debt Line can give free information to people living in England and Wales. It also provides an information pack dealing with debt.
The line is available on Monday and Thursday from 10 to 4 and on Tuesday and Wednesday from 10 to 7. The National Debtline telephone number is: 0808 808 4000.
Money Advice Association. The Money Advice Association can also give details of the nearest adviser for people living in England and Wales. The telephone number is: 01476 594970.
Before seeing an adviser for debt, a person should gather all the papers which relate to her/his finances. This includes getting your credit info from the credit bureaus in your country. Look at your credit report and get any false information corrected. If you are under pressure from creditors, don't hesitate to contact the above organisation or visit the AdviceGuide website for a listing of other organisations. Next, seek out highly recommended organisations.
-- Mike Jones (firstname.lastname@example.org), March 04, 2002.