Citizens Advice

Citizens Advice is a national charity supported by a network of local charities across England and Wales. It provides practical guidance online, by phone and in person. Its remit spans debt, benefits, housing, employment and consumer rights, allowing someone with linked problems to start with one advice service rather than a specialist for each issue.

Debt guidance forms part of that broader role. Citizens Advice explains formal options such as individual voluntary arrangements, including their binding Nature, fees and long commitment. It also asks readers to compare an IVA with other solutions before proceeding. That Independent comparison matters when formal insolvency is rising, because a repayment agreement can shape a household's finances for years. The charity's purpose is advice and support; it does not set insolvency policy or publish the official insolvency rate.