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If you are in debt and are struggling to pay your bills you should try and get some independent advice about how to cope.

It is quite easy to get into debt whether from student loans, excessive use of credit cards, gambling etc.

Many organisations advertise consolidation loans or other types of finance to cover your debt.

It is always best to speak to someone independent as they will be able to look at what you owe and help you decide how best to pay off your debts.

Help is available from:

Birmingham Settlement
318 Summer Lane
BIRMINGHAM
B19 3RL
Tel: 0645 500 511 - 24 hour answerphone

Factsheets are available.

Opening times:
Monday and Thursday 10am - 4pm
Tuesday and Wednesday 10am - 7pm
Friday 10am - 12pm

National Debtline 0808 808 4000
Lines are open Monday - Friday 9am - 9pm, Saturday 9.30am - 1pm.
They have a free downloadable debt information pack
www.nationaldebtline.co.uk