The golden rules on debt
Never pay an advice provider upfront for a solution. Seek advice from a few providers, including Citizens Advice Bureaux, local council money advice services and Stepchange. Ask if the firm charges for their services and how this is broken down.
Be aware that many advertise to give advice, don’t provide the solution themselves and pass you to another firm for a fee. They are actually lead generation firms.
Don’t panic buy a debt solution. A good firm should offer your breathing space or put a moratorium in place for free to give you protection from your creditors to think things over.