Contact Consumer Credit Counselling Service which is a government backed charity which assists those in financial difficulties by providing free, independent, impartial and realistic advice.

FREEPHONE helpline is open from 8am to 8pm Monday to Friday.

0800 138 1111

If you want to write to them mailing address is:
Consumer Credit Counselling Service
Wade House
Merrion Centre
Leeds
LS2 8NG

Don't pay 20% out to these management companies Consumer Credit can help with getting the interest frozen and ALL the money you pay going off your debts.