Another option for you would be to seek free advice about dealing with your mortgage arrears and other debts. Citizens Advice Bureaux and some other independent advice centres give free, impartial and confidential advice about dealing with your debts. They can advise you on: whether you are liable to pay your debts; whether you can increase your income; help you draw up a financial statement (a list of your income and expenditure); show you which debts are the most important; negotiate repayments to your creditors or help and support you negotiate repayments yourself; help you deal with any emergencies.(posted 9066 days ago)You can find your local CAB in your local phone directory or you can access the National Association of CABx website (www.nacab.org.uk).