Debt advice agencies in Northern Ireland – Help with debt in NI

Individuals and families living in Northern Ireland can get help with their debts, including credit cards, loans, a mortgage, and more. Most of the services are free, and borrowers have the protection offered by some exceptional money advice services. By providing access to national charities, the government allows for citizens to get the information and debt advice needed from an objective and reliable source. Most important, the service is free.

Due to differences in debt laws and court actions, local residents have counselling services available to them that are unique to Northern Ireland. The purpose is to provide professional debt advisors that are highly trained in local laws and guidelines so that there is no confusion with outside laws.

There are distinct advantages to seeking advice from one of the approved charities rather than necessarily following the guidance of a solicitor. Not to mention that the government has approved this not-for profits in Northern Ireland.

• Free service without charge.
• Objective advice.
• Maintain highest levels of training.

Solicitors can provide a solid service if you choose to go that route. A second opinion can reinforce your decision whichever path you choose. These charities can be relied on to provide the proper advice and help getting out of debt. All types of borrowers are assisted, whether homeowners who are behind on their mortgage or someone who is struggling with credit card debt.

Northern Ireland Free Debt Advice Agencies

• Citizens Advice Northern Ireland is a registered charity that serves nearly 90,000 clients annually. You can meet with a trained counsellor at one of 21 bureaux (28 local offices) to get help on any personal finance concerns that are threatening your financial stability. Rather than provide a main telephone, the organisation encourages clients to contact them at the closest Consumer Advice Bureau (Bureau Search).
• Debt Action NI is a service of Advice NI, a recognized charity of Northern Ireland. In addition to budget and free debt counselling, the organisation can assist with matters of employment, housing, legal issues, social security and taxes. Thanks to government funding there is no fee to the client for services. A Freephone hotline has been established at 0800 917 4607.
• Debtline NI is a service that is provided by StepChange Debt Charity. While the above two organisations focus on many different types of consumer issues, StepChange offers more limited support. They focus primarily on helping clients control their bills and manage their debt. Call 0800 138 1111 to get relief from your creditors right away.
• Churches in Northern Ireland may offer help. They may offer the client a coach to assist with budgeting, income, and all sorts of bills. Thriving Life is one examples, but there are other churches and religious organisations.

These services are confidential and free. There is no pressure for you to select any single solution over another. Your adviser will be able to answer your questions and share the pros and cons with you for each option that you are considering. Even after choosing a course of action, you will have the support you need to follow through on your action.

Instead of fearing the collection calls or court action, you can get valuable advice and an advocate on your side. The agencies help families across Northern Ireland. There is no charge for the services.