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The Guardian - UK
The Guardian - UK
Business
Hilary Osborne

Debt clinic

Pile of bills
This month's bills will push some household budgets into the red. Photograph: Graham Turner

This week the first set of post-Christmas credit card bills will start to drop on doorsteps around the UK. Following hot on their heels will be the first heating bills of the winter, and the recent cold weather means that for many homeowners these will be much bigger than usual. For some households these bills will be the last straw, pushing their already precarious finances into the red. And for others the debts will be added to existing arrears.

So are you facing an indebted 2010? Do you struggle to meet your repayments? Are you looking for a new, cheaper loan or a way to write off your credit? Whatever your concerns, we may be able to help you find an answer.

At 1pm on Monday 18 January our team of experts – Sue Elliott from the Consumer Credit Counselling Service (CCCS), Mike Thomas from debtwizard.com, and Michelle Slade from price comparison website Moneyfacts – will be online to answer your queries. Post a question now and they will do their best to provide the information you need on Monday.

Advice is for guidance only – if you want to take your query further you should speak to a debt adviser, in person or by phone. You will find a list of advisers offering free and impartial advice on our factsheet, and you can contact the CCCS at any time via our talkthread.

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