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Free and impartial help with money, set up by the government: MoneyHelper, an independent service set up to help people manage their money.

* A debt write off amount of between 25% and 75% is realistic, however the debt write off amount for each customer differs depending upon their individual financial circumstances and is subject to the approval of their creditors. The example provided of 81% has been achieved by 10% of successful applicants in the last 12 months.