Welcome to my site – Debt Advice Free. If you have a debt problem you are probably feeling worried, you might not be sure where to turn and you need some support. I know how you feel! 3 years ago I was in a debt crisis situation and I really could not see how the future was going to turn out.
I managed to work through my debt problem and now I am debt free (or very nearly!). This site is designed to be a source of help and advice for all people experiencing debt problems. Post details of your debt problems here and you will get a sympathetic response.
People get into debt for all sorts of reasons: Losing their job. Medical expenses. The reckless actions of their partner. Falling for the lie that you have to have expensive things to be a valuable member of society. Honestly I don’t care how you got into debt! You need to understand it to prevent it happening again, but there is no point just worrying about it and punishing yourself. You need to concentrate on fixing your debt problem in the best way for you and your family.
I won’t push anyone to use a particular debt solution. Each person’s situation is different and requires a personalized solution. I aim to be here to support people and provide information on the different solutions to debt problems – from just sorting out your budget through to bankruptcy.
Take the first step to dealing with your debt problem – admit what it is. Post a response to the My Debt Story thread here.
Checkout all the information on the site via the recent posts/categories/tags. If you have a specific question that is not answered on the site then please email me (neil@debtadvice4free) and I will do my best to answer it.
Why not sign-up to receive updates from the site using the Subscribe form at the top-right of this page.
Join the debate and add your comment to any of my posts/pages. I provide live followed links (what’s this?) to all approved comments. Just do not waste your time posting any rants about people getting into debt – they will not be published!
Wishing you success in solving your debt problem.
Neil Douglas-Campbell
April 19th, 2009 at 3:39 am
Nothing like writing from your own experience. If you haven’t lived it, good luck helping people with it, ya know!
January 16th, 2010 at 12:55 am
I AM A RETIRED LOW INCOME SENIOR WHO COLLECTS $1,500.00 PER MONTH FROM THREE CANADIAN PENSION CHEQUES.OUT OF THAT AMOUNT I PAY MY LIVING EXPENSES AND MY GROCERIES.AFTER I PAY ALL OF THAT I MAY HAVE AROUND $150.00 LEFT OVER TO LIVE.I HAVE NO MONEY FOR ENTERTAINMENT OR ANY PERSCRIPTIONS THAT I MAY NEED.NOW TO MY BILLS,I HAVE A CREDIT CARD THAT IS AROUND $2,000.00 AND A CREAMATION BILL FROM MY HUSBAND PASSING AWAY LAST YEAR THAT IS $2,800.00.SINCE I NO MONEY TO PAY ANY FEES TO ANY DEBT AGENCY I AM SCRAMBLING TO GET THESE BILLS CLEARED UP.IS THERE ANY HELP FOR ME OUT THERE.PLEASE EMAIL ME BACK WITH AN ANSWER IF THERE IS ONE OR IF YOU NEED ANY FURTHER INFORMATION,THANK YOU.
January 21st, 2010 at 7:25 pm
hi neil this is carole from ontario canada,the low income senior.is there any way that we can talk about my situation.could not find a phone number on your site.left my number in my email to you.please get back to me asap.thank you.
January 26th, 2010 at 2:21 pm
Hi Carol
Sorry to hear about your problems. I have sent you an email suggesting some solutions.
Neil
January 26th, 2010 at 2:23 pm
Hi Carol
I don’t post a ‘phone number on the site because I don’t run an office and I don’t want people calling me at unusual hours!
I have sent you an email with my contact details.
take care
Neil