The debt clinic is a free service which can help you manage your fi-nances, maximise your income and negotiate with creditors. It cannot help you with business debts for a current business, challenge parking fines or help you retrieve money from someone who owes it to you.

If you have questions about whether an appointment with the Debt Clinic can help you, call Croydon and Sutton Law Centre on 0208 667 9226, or email debt@swllc.org.

To book an appointment in the Croydon, Merton or Kingston offices call 0208 667 9226. To book an appointment in the Wandsworth and Merton (Tooting) office call 0208 767 2777. Alternatively, email debt@swllc.org, specifying where you would like an appointment if you have a preference.

Please remember to bring the most recent letters from your credi-tors to appointments, as well as any court papers. We may not be able to help you otherwise. If you aren’t sure whether something is relevant it is best to bring it anyway, just in case.