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If you would like independent advice about your legal rights, you should contact a solicitor or any of the organisations listed below who can offer you debt advice to help you manage your finances.
Citizen Advice bureau – Your local centre is listed in the phone book or visit their website: www.citzenadvice.org.uk
National Debtline on 0808 808 4000 or visit their website: www.nationaldebtline.co.uk
Credit Action on 0800 138 1111 or visit their website: www.creditaction.org.uk
Consumer Credit Counselling Service on 0800 138 1111 or visit their website: www.open.gov.uk
The Bankruptcy Association at: www.theba.org.uk