Depends on the level of the debt and how serious the problem is. The lucky thing is there is a lot of free advice out there.

The important thing is to look at several firms.
The rainbow group are a loan company and they will just pass your details to an insolvency practitioner.Citizens Advice can help you get a debt management plan but you dont say who your debt is with. If it is credit cards or personal loans taken out before 1 April 2007 you could get it legally cancelled. The website www.bdebtfree.info will help you get it sorted.There are many resources out there that can offer debt help. The first step in order to look for different firms or programs is to identify your situation. How much debt are you planning to include? Is the debt unsecured or backed up by any asset? Are you currently making payments? Also it is very important to ask yourself what your goal is in regards to the debt, do you want to reduce the monthly payment? or Do you want to eliminate the entire debt?

After finding the goal to be achieved you may run into many alternatives out there, Debt Settlement Programs, debt consolidation programs, consumer credit counseling and few others.

You can narrow your search by looking at different consumer reviews and agencies that can provide you great feedback in regards to the debt relief companies you have chosen. Some of the sources that can give you great information can be the BBB or TASC as well as online consumer reviews.

Once you have done some research you can call the company to make sure that the program offered will fit your situation and to obtain the specifics of the program.

I recommend you to contact CuraDebt as it is a company highly recommended by the agencies mentioned above and by consumers that have use them all over the Internet, they can review your situation for free prior to committing and guide you according to your situation.

http://www.curadebt.com/forum/blogs/david/125-where-would-you-go-if-you-needed-debt-help.html

 

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