Free Online Debt Information: Who are we? How can we help you ?
Free Debt Helpline is a registered Debt charity offering free online services to members of the public. Our Service is independent and confidential.
Debt advice is offered by several different organizations including those that charge and those who offer the service for free. Free Debt helpline is an online debt charity which means we work on a not for profit basis. All income generated from the Charities work is ploughed back into the charity to help individuals be directed to a partner that can help, although partners have their own terms and can charge a fee for their services.
How to deal with my debts?
Our Free online debt service is designed to help you deal with your debt problems and provide you with the support you need by directing your enquiry to a specialist firm.
Please obtain all details about your finances, including your income, outgoings and debts. If possible, with account numbers. Simply complete our online budget form and submit your enquiry. We shall then have this passed onto a panel partner that will help you with the application.
What Kind of debt can we help with?
Below is a breakdown of the process
Step 1 Make a List of all your income and all your expense
When you are in a position where you are struggling with debts, it is sometimes quite difficult to decide which way you should turn. For this reason, the best thing is to have a look into all the different options available to you. This will assist in helping you make the decision of which solution is suitable for you.
You need to do following
- Make a list of all your creditors and get their account numbers- letters if you have any
- Wage slips- last 3 months
- Benefit statements
- Bank Statements
- Utility bills
Gather all your paperwork together
You may want to get a copy of your credit file from Experian and make use of experience credit matcher. This will allow you to see all the creditors listed on your file and those whom you believe you own money to.
Step 2- Reduce certain expenses
Now check to see if you can reduce your debts
- Can you pay less for everyday living costs? Example can you use public transport instead of driving
- If you smoke can you cut down?
- Can you reduce shopping expenses?
- Can you cut down on eating out?
Life can be very busy. You might feel like you don’t have any time to look at your income and spending. But there are many things that can be done which are quick and easy. Here are some examples you can start with. Make a shopping list. It takes a couple of minutes and will help you save time and money when shopping.
Step 3- Complete your online application
Our online budget form takes around 20 minutes to complete. If you need more time you could save your progress and complete it later. The major information that will be required for calculating your essentials for the debt evaluation will include income variables including:
- Credit card payment records
- Loan records and information
- Child support payments
- Car loans
- Insurances health etc.
- Mortgages, rent, bills etc.
- The online budget form provided by our site will allow the assembly of your information in an organized manner.
How can I find the details of my debts?
- Call Credit
They are private companies that carry the details of your debts and credit history. Most of these private companies offer a trial or free service but you could also request a copy of your credit file.
Need Debt Help Now?
The expert team at Free Debt Helpline change people's lives for the better.