Martin Lewis (Money Savings Expert) & Mind have released their 2013 Guide to Mental Health and Debt. Well worth a read if you are struggling. Click Anxiety and Debt for pdf version.
I can also recommended My Money Steps which is part of National Debtline. This is all truly independent and no fees! I have used them for a senior family member and sorted out her credit card and loan problems very easily.
6th June 2013
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