Jump to content
Fancy running a forum? Sheffield Forum is for sale! Learn more

Urgent-Need Bankruptcy advice

Recommended Posts

Hello.

 

I have been looking on the citizens advice website and it is all confusing and I cant find a number. I need to take all my debt paperwork to someone and let them tell me what to do.

Share this post


Link to post
Share on other sites
Hello.

 

I have been looking on the citizens advice website and it is all confusing and I cant find a number. I need to take all my debt paperwork to someone and let them tell me what to do.

 

Find out where your local advice centre is - there's one at Woodseats, one at Heeley, (Don't know where you are). Your local advice centre will have a Debt Counsellor who sill be able to help you. Good Luck - it's a tough time, but there will be better days ahead:)

Share this post


Link to post
Share on other sites

Contact the CCCS and also take a look on the site and forums of http://www.moneysavingexpert.com

 

DO NOT even consider these debt management companies - all they do is work out a debt management plan which the CCCS could do with you, except the debt management companies like to keep "in" with the banks so may not be 100% focussed on what is best for YOU.

 

Plus the CCCS is free, and doesn't take a chunk out of your repayments as a "management fee" - something that anyone needing debt management can ill-afford!

Share this post


Link to post
Share on other sites

If you go to the Help Yourself Database, , and search the second box "I want to find groups or services whose description includes the word" for "advice centre", you will get a list of all of them in Sheffield.

 

Some, of course, are specific for students, etc, but you should be able to find an advice centre near to you to help. You may find that you have to leave a message on an answering machine, and they'll get back to you, because I think a lot of the local centres aren't open all the time.

 

Good look.

Share this post


Link to post
Share on other sites

you can phone debtline it sheffield number and they give you advice over phone. Castle CAB have specialise in debt work as well. I WIll try and think who else

Share this post


Link to post
Share on other sites

Here is a list of CAB in Sheffield.

 

They will all have specialist Debt workers attached to them - although you may need to make an appointment for specialist advice and support.

 

Citizens Advice Bureau

416 London Rd

Sheffield

South Yorkshire S2 4ND

Tel: 0114 258 3322

 

Citizens Advice Bureau

Eckington Library

Market St Eckington

Sheffield

South Yorkshire S21 4JG

Tel: 01246 434190

 

Citizens Advice Bureau

30 Spital Hill

Pitsmoor

Sheffield

South Yorkshire S4 7LG

Tel: 0114 275 5376

 

Citizens Advice Bureau

77 Queen St

Mosborough

Sheffield

South Yorkshire S20 5BP

Tel: 0114 248 0043

 

Citizens Advice Bureau

Community Centre

Main Rd

Renishaw

Sheffield

South Yorkshire S21 3UW

Tel: 01246 <Removed>

 

Good luck. :)

Edited by Andy
User reports this was a private phone number

Share this post


Link to post
Share on other sites
Hello.

 

I have been looking on the citizens advice website and it is all confusing and I cant find a number. I need to take all my debt paperwork to someone and let them tell me what to do.

 

Hi DiamondGirl

 

firstly it may be that bankruptcy is not for you, so be careful. I agree with previous posts, that you should be careful of who you take debt advice from as there are lots of organizations that will suggest they are independent but are not.

 

Your best bet is to make apt with a CAB or a local independent advice provider such as Woodseats Advice or Heeley.

 

It depends on where you live as some advice centres and CABs; will only see people that live in the area.

 

You may find it a long wait for an appointment as there are many thousands of people seeking debt advice at the moment.

 

When you try to get an appointment make sure you say you need to see a SPECIALIST DEBT ADVISER. some advisers are funded by The Legal Services Commission and can only see people on a low income or welfare benefits. Get things clear before your apt as you may need to provide proof of your income before the adviser can help you.

 

If you have to wait for apt and you want more info to help yourself you can look at the NationalDebtline website which is free and provides template letters to send to your creditors. NationalDebtline also has a telephone helpline. (open in the evenings)

 

If you are really struggling with things and you can't manage any of the above you can come back on here where myself and other can help you.

 

Remember being in debt can make people feel low but thousands of people get through it and there is loads and loads of good free help around.

 

Good Luck:):)

Share this post


Link to post
Share on other sites

Oh and if you are having to wait to see an advisor, use the templates of the national debtline and try to make a payment to all your creditors, even if it's only a few quid. Even if it's only one quid if you REALLY can't (be honest with yourself) manage anything more.

 

Basically this is a token payment to say "I know I owe you money, I want to sort this out, I'm not running away from it.

 

It will help when you (or the CCCS) begin negotiation with creditors.

 

It may be you don't NEED to go bankrupt - people think bankruptcy is the only option when debts are too much to pay, but there are other things such as an IVA which can help avoid bankruptcy

Share this post


Link to post
Share on other sites

I can second (or third, or fourth) the endorsement for the CCCS. They're fab people and they're a charity which will give you free, honest advice about your options and won't ever advise you getting into more debt to make your creditors happier (which is what a lot of the companies which advertise on TV expect you to do).

Share this post


Link to post
Share on other sites

Hello. thanks. whtas the cccs number? are they based in sheffield? I have heard that the CAB is a nightmare to get through to :(

Share this post


Link to post
Share on other sites

The CCCS is a national charity with Sheffield being covered by the Leeds office. The number for first contact is 0800 0381111. All contact with them is either free, at 0845 rates or they call you at an appointed time. You may wait 10 minutes for your call to reach the front of the queue, but they are around until 6.00 on weekdays.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.