Edited sentence: National Debtline offers a more impartial service for those seeking advice to alleviate the misery of facing financial problems alone.Payment plans it has proposed often compare unfavourably with those enforced by the Insolvency Service following Bankruptcy of an individual.The CCCS has been informally criticised for acting in the interests of its backers.Whilst the organization can help communication between individuals and financial institutions, it is not independent and does not act wholly in the interests of those who seek advise and help from it