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Free debt counselling from StepChange Debt Remedy

Retirement should be an enjoyable, relaxing time of life, but in contrast it can often be fraught with financial difficulties and anxiety. Many people have to get by on a much reduced income in later life. Older people may find their bills become increasingly difficult to afford and this can lead to money worries and, ultimately, debt.

If you are concerned about meeting your monthly payments, it is important that you seek debt help straight away. Speaking to a debt counsellor will prevent your situation from getting any worse and will enable you to find a solution suited to your particular financial problem.

StepChange is the UK’s leading debt help charity, with over 15 years’ experience of giving free and confidential debt advice to people in financial difficulty.

Good information can help prevent you from getting into debt problems in the first place. Talking to a debt advisor will help you to understand your rights and responsibilities. You will be given help with managing your finances and planning for the future.

If your financial situation is more urgent, debt counselling will give you the practical advice and support that you need to manage your particular difficulties and work towards a debt-free future.

StepChange advisors offer completely free one-to-one support to people with debt problems of any size. Their freephone helpline is open from 8am to 8pm, Monday to Friday on 0800 138 1111.

A StepChange advisor will perform an immediate assessment of your situation and give you advice that you can put into practice straight away. They will then offer you an appointment with a StepChange advisor at a time that suits you.

StepChange also offer aa online debt advice service which gives instant access to free debt advice at any time of the day.

All you need to do is answer a series of questions about your household, income and outgoings. You will get tailored debt advice, a personal budget showing your income and outgoings and practical advice on making the most of your money. This service is free of charge and anonymous. Please remember, you should never pay for debt advice. There are many debt management companies that will charge you fees for their services, leaving you even further in debt.

The only way of ensuring that you do not pay these unnecessary fees is to go to a debt help charity. Charities like StepChange offer free, impartial and confidential debt help and advice.

For more information, visit StepChange Debt Remedy or telephone FREEPHONE 0800 138 1111.