Debt advice

Anyone can get into debt, for a wide range of reasons, but try to remember that you’re not alone and it’s never too early or too late to seek help.

Take the first steps to regain control and find your way back to a debt-free life.

When should I seek help for debt?

It could be time to get help with your debt if you are:

• regularly worrying about money
• struggling to pay your household bills or paying them with credit
• relying on your overdraft or credit card to get by
• missing credit card repayments
• hiding your spending habits from your family
• avoiding letters and calls from your creditors.

What should I do if someone I know is having problems with debt?

You may have noticed a family member or friend acting differently. These signs may indicate they are having problems with debt:

• hiding post
• being unusually secretive about money and finances
• getting phone calls from unknown callers
• struggling to make ends meet
• avoiding activities they used to enjoy
• asking to borrow money.

If you’ve noticed any of these signs or think someone you know may be having problems with debt, encourage them to seek help. But remember that they need to make the decision to get advice themselves. Giving them support and listening to them can make a big difference.

Who can I contact for free debt help and advice?

Some debt management companies charge fees for their advice. There’s no need to take on more debt when there is free help available. These registered charities have debt advisers who can give you free, confidential debt advice:

• Your local Age Cymru or the Age Cymru Advice Line can direct you to organisations that can help.
• Citizens Advice offers help face-to-face, by telephone or by email.
• National Debtline provides advice over the telephone, online and by email. They can send you a free self-help information pack.
• StepChange Debt Charity provides advice over the telephone or online, providing a personal action plan and a recommendation of available solutions for dealing with debts.
• Shelter Cymru provide advice about housing and homelessness, including managing debt, paying rent or mortgage arrears, and dealing with possible eviction or repossession.

Also download our factsheet below for more detailed information. 

What should I do next?