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There are a number of Debt Advisors that can be found on the internet. It is always better to seek advice when problems begin rather than let them "fester".

Here are a few :

If you use a Solicitor for advice. Make sure they are qualified to advise on benefit matters.

		This website offers free, confidential and independent legal advice for residents of England and Wales.
		You can find a solicitor by clicking on the logo on the left handside.

Check your Car / household or any other insurance Policies. Check your credit card contracts. You may have access to a solicitor or legal advice provided as part of your customer incentives package.


Hardship funds

Crusaid is another charity supporting people with HIV. They publish some interesting reports . They also have a hardship fund for those struggling with finances.

You can also find other hardship information from the Terrence Higgins Trust by clicking here.