The words I seem to struggle to find are,”thank you”.
However, today I sent a card and a thank you note to the charity which helped me with my debt problem.
The debt help charity, Debt Support Trust, were incredible and part of the reason I feel compelled to write about the experiences. The support they provided me not only ensured I got back on my feet financially, but it gave me the confidence to start this platform and support others in their attempts to become debt free.
Debt charities, unlike some companies I’ve heard about don’t pressure you into a decision or force you to take their solution. Charities providing debt help will explain the options available and the reasons for and against entering each solution. At the time it didn’t feel like the decision I had to make was any easier, however, on reflection, knowing the information ensured I made an accurate decision.
Charities make a huge difference in getting people debt free and I was just one of many they will have helped. Charities have a different view point from companies offering debt advice. The advice is independent and there’s no selling tactics or money to be paid.
Debt Help from a Charity
My friend was not as lucky to be offered debt help from a charity. Instead, he spoke to a company who advised him to pay £400 upfront as a fee for the advice. Companies charging for debt advice do so to increase their profits and pay for their operating costs, like petrol, phones and computers. These are all reasonable requirements for a business, but compared against what a charity can offer, there is no comparison.
Charities which offer debt help do so on a free basis. There is no cost. For people who are in debt and can’t afford to repay anything towards their debt it’s impossible to find £400. If they had £400 they would pay it towards their debt! So, this results in people going further into debt to get help.
“Pay £400 to get debt free?” HUH? Surely, this makes no sense. But unfortunately, people do choose to get debt help from companies who charge them a fee to get debt free. The company manage to clear their conscience by saying “well it’ll get written off anyway”, but that doesn’t happen in every solution.
Best Debt Charities
It’s obvious I’m keen on Debt Support Trust; their support, kindness and immediate advice were invaluable. Words will never be enough to explain how grateful I am. However, there are other debt charities out there and whilst Debt Support Trust is fantastic, they have one flaw – they only offer telephone and internet advice.
Some people prefer to look at somebody face to face. This wasn’t the case for me. I wanted to deal with my debt over the phone as it was quicker and more private. If you prefer face to face advice then the Citizens Advice Bureau is a great charity for face to face debt advice.
Whether somebody wishes telephone, internet or face to face advice this can be offered for free from registered debt advice charities. Their reliability and care are evident. Their intentions are genuine. You can trust a charity to help.
For anybody trying to become debt free, then I would recommend debt charities for excellent support. Thank you once again to Debt Support Trust for the help they gave me.