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Help with Debt
Are you hiding behind the sofa when the doorbell rings? Afraid to answer the phone or open your mail?
Financial health is very fragile, it only takes a hiccup in your income or sudden unforeseen expense to throw your carefully managed budget into chaos. Some of us are lucky enough to have a nestegg in the bank to see us through rough patches, the rest of us just muddle through as best we can. But if your 'hiccup' has lasted longer than a few weeks, or something drastic has hit out of the blue - a divorce, or business failure, for example - you might be finding it hard to make ends meet. If your total unsecured debt (ie not including your mortgage or any secured loans) is greater than £5000, you may need help.
Debt problems don't go away if you ignore them, they just get worse. At Caledonian Express we understand how difficult and distressing it can be to face up to the problem, and how hopeless a situation may seem. In fact though, debt problems are never insurmountable, and with us to help you you CAN get through it and start the rest of your life on a better footing.
We recommend the Consumer Credit Counselling Service
Consumer Credit Counselling Service (CCCS) is a registered charity whose purpose is to assist families and individuals who are in financial difficulty by providing independent and confidential counselling on personal budgeting and achievable plans to repay outstanding debts.
Based on a proven and successful formula, this specialist advisory service has already helped thousands of people in the UK. Many people choose CCCS because its service is not only confidential and easily accessible but also completely FREE.
CCCS services are supported by creditors and the business community through contributions and donations. CCCS can help make debts more manageable for consumers by implementing more realistic and achievable repayments plans, while creditors avoid lengthy court proceedings, recovering debts in a cost effective and sensitive way. This basically involves coming to an arrangement (formal or informal) with your creditors to help you pay off what you owe more affordably, leaving you enough money each month to meet your day-to-day expenses.