Times of your local CAB can be found at www.citizensadvice.org uk. Most branches have telephone advice as well but be prepared to have to keep on calling as they are very busy and if you plan to visit the branch then get there early as their appointments fill up very fast. They also have Advice Guide at www.adviceguide.org.uk. You can download information about debt and some good letter templates that you can use and how to make a financial statement to show your creditors what you are able to pay....Also remember non priority debts have very little power which is why they often use bully boy tactics.

Good luck

Potplant