Debt Management

For certain individuals, especially those on low incomes or who are dependant on benefits, relatively low levels of debt can cause deep distress and concern. Unfortunately a whole industry of high interest lending or "debt management" has grown and, in many cases, the problem is made worse.

In the event that formal insolvency procedures are inappropriate, then THA would recommend that the first port of call should be either the Consumer Credit Counselling Service (0800 138 1111) or the local Citizens Advice Bureau.