Debt advice is a new growth industry, with thousands of people (many of whom are unlicensed and inexperienced) employed to give advice. Many Advisors are often Volunteers, like those working for organisations such as “The Citizens Advice Bureau and have your best interests at heart, but others are little more than hard-sell operators pushing high cost debt management/consolidation plans or IVA’s that are not best suited to particular circumstances.
All advice should be free. Always ask to see your Advisors licence and always speak to some people they claim to have helped. Remember that if a proposal sounds too good to be true, it probably is!