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If you are struggling to keep your head above the water after Christmas, there are plenty of places to turn for free, independent guidance on debt management which you should do so sooner rather than later.

Where to go for free debt guidance?

• The Consumer Credit Counselling Service has a free national telephone service, 10 regional centres and an online service. It provides counselling on personal budgeting, advice on the wise use of credit, and how to manage achievable debt repayment plans (0800 138 1111; www.cccs.co.uk).
• National Debtline provides self-help advice, packs and fact sheets. It offers expert advice on the full range of debts from rent arrears to congestion charges and can deal with telephone, email and written enquiries. The service can also help callers set up debt management plans (0808 808 4000; www.nationaldebtline.co.uk).
• The Citizens Advice Bureau provides free, confidential and independent advice from over 3,000 locations, including GP surgeries, hospitals, colleges, prisons and courts. Advice is available face-to-face and over the phone. Most bureaux offer home visits and email advice (www.adviceguide.org.uk) and click on “Find your local CAB”).

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