After speaking to a lady from Money Smart Solutions over the phone for about half an hour (this was about 4 months ago) she went through my financial situation quite in depth and recommended benefits I could claim as I was earning a certain amount, she also gave me other advice on how I can save money and reduce my outgoings, she then sent a pack for a debt management plan. I got a pack the next day which was quite clear and easy to follow and all the figures were easy to understand and they talked me through everything. Once i sent the pack back they set up arrangements with my creditors fairly quickly, they did what they promised and so far everything is going well. I would recommend their services very highly (even though they charge a small fee) :) read more