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And for businesses, there is Business Debtline , www. Heat your home office for 8p a day.

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There is certainly a large and increasing number of people with debt problems. The big question is, how easily could you tap into this demand with National Debt Advisors' " intensive one day course " and ongoing support? On the face of it, this would be difficult because there are two major charities which offer free, independent advice and practical help.

These charities are funded by the credit industry, which enables them to offer unbiased and free advice to consumers.

On their website you can complete a full counselling session online, which is free and confidential. And for businesses, there is Business Debtline , www. This service offers free, confidential and independent advice and is funded by the DTI and seven UK banks. Debtors can also seek advice from their local Citizens Advice Bureau. In addition, and without any reference to National Debt Advisors but as a comment on the debt management industry as a whole, it should be noted that setting up in business as a debt management advisor has not been helped by the adverse publicity given to the practices of some debt management companies who charge upfront and ongoing fees without improving a debtor's position.

For example, arrangements marketed as "savings" on monthly payments may simply increase the size of the sum to be repaid and potentially affect the consumer's credit record.

Nevertheless, despite an increasing wariness of debt management companies in general, and despite having free access to the best advice of precisely what to do in their specific circumstances, many people with debt problems simply want someone to take the whole burden off them and do it all for them. Complete Business Reference Adviser: And another here. The Business Show - free ticket registration.

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