Real Estate FAQ: Free Legal Advice for Debt Resolution

If you have a problem with debts you need good free legal advice. However the last thing that you want is advice that you have to pay for. It is true that advice on debt relief is a specialist area that requires skills/qualifications, so how are you going to get these advices free? Fortunately there are charitable organizations that will provide some very sound free advices. There are also companies/legal advisers that will provide free consultations in the initial process in hope that you will sign-up for something they can charge you for later. So beware.

Charitable Organizations Providing Free Legal Advice For Debt Relief

In the United Kingdom there are two main charitable providers of free advice on debt relief:

1. The Citizens Advice Bureau.
Many CABs will have specialist debt case workers that can provide top-quality free advice. The only cliché to this free service is that there may be a waiting list to see the debt case worker. There are other workers in the Citizens Advice Bureau who will be able to offer general advice on debt problems. But if you really need to see any specialist debt case worker (who should also be a qualified money adviser), you should get ready to wait. After an in depth consultation with the specialist debt case worker, they should be able to negotiate with your creditors on your behalf if this is appropriate to your situation.

2. The Consumer Credit Counseling Service (CCCS)
This is a non-profit making organization that is funded by contributions from the credit industry. It offers advice on your debt situation and will negotiate and administer a Debt Management Plan for you if this is an appropriate solution.

Commercial Organizations Offering Free Legal Advice For Debt Relief

Many commercial organizations offer free introductory consultations that can help you to decide on the best course of action. It is always worth remembering that their advice might be slightly biased towards the solution that they are selling.

In the United Kingdom, solicitors often offer free initial consultation. This can often be of limited use because it is not long enough to discuss your options in any detail. In these cases, you would quickly find yourself having to pay for additional consultation time. Also, legal professionals are not always the best people to advise you on debt problems. They are more familiar with the law but not necessarily familiar with the ways the laws are applied to in real case-to-case debt scenarios.

Companies that offer either Debt Management Plans or Individual Voluntary Arrangements will sometimes take you through the initial process of identifying all of your debts, income, and outgoings. They do this so that they can assess whether you are suitable for the particular debt management solution that they are selling. As long as you are aware of this then they can provide very useful advice even if you (or they) decide that their debt management solution is not suitable for you. 

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