Citizens Advice lets you choose between self-help guides, online, telephone or personal advisers, depending on how much support you need - though waiting times for face to face appointments can be long, so phone first. Their online advice guide will take you to frequently asked questions, debt, mortgage and credit guides, model letters to send to creditors, interactive tools, or you can simply locate a nearby CAB - all in all, a great array of self-help or supported prevention and care.http://www.adviceguide.org.uk
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