Can I get help to manage my debts?

We always recommend that you talk to the company that you owe the debt to first. They may be able to work out a reasonable payment plan with you, some companies such as utility providers, may even have a hardship fund that can help you out.

Citizens Advice

Citizens Advice usually offers debt advice and you can find details of your local service by contacting your relevant Citizens Advice.

There are many other reputable, free, face-to-face debt advice providers including:

National Debtline

The National Debtline 0808 808 4000 provides free confidential and independent advice on how to deal with debt problems as well as a detailed website with useful sample letters and other resources to help you deal with your debts yourself. It is part of The Money Advice Trust, a registered charity.

Step Change Debt Charity

Are a charity providing debt advice and can also provide a free debt management plan. Visit the Stepchange website or call 0800 138 1111.

MoneyHelper

Is provided by the Money and Pensions service and provides free impartial advice on all money matters, including how to deal with and mange debt. Visit the website or call 0800 138 7777.

Other help

Breathing Space (officially called the Debt Respite Scheme)

A government scheme for people living in England and Wales, launched in May 2021. The scheme enables certain people to have a 60 day pause on debt collection, interest and charges for eligible debts. You need to be referred to the scheme by a debt advice specialist (you can find one using the where to get free debt advice search on the MoneyHelper website), the adviser will then make arrangements around the scheme with your creditors. If you live in Scotland, there is a similar scheme called a Statutory Moratorium.