Getting help with debt information guide
People find themselves in debt for all sorts of reasons. If you owe money and it's becoming a worry, our information...
It can feel difficult to ask for help with debt, but whatever your situation, there's support out there. You don't have to face things alone – there are lots of organisations that can help you get back in control.
It could be time to get help with your debt if you're:
If any of the above apply to you, it's important to get some advice.
Do you know what benefits you're entitled to? Our online benefits calculator can help you quickly and easily find out what you could be claiming.
If a family member or friend is having problems with debt, you might notice that they're:
It can be a difficult conversation to have, but if you’re concerned about a loved one, talk to them and encourage them to seek help. They’ll need to make the decision to get advice themselves – but having you there to support and listen to them could make a big difference.
Below, we've listed some organisations that offer help with debt. All of them are registered charities and offer free and confidential advice.
A debt adviser can help you come up with a budget and a plan to pay back your debts – or suggest other solutions if you can’t afford to pay them back. They can advise you on a range of options and support you to take any necessary action.
Let the adviser know if you're facing an emergency, such as an eviction. They may be able to give you a priority appointment or help you access immediate advice over the phone or online.
If any of your debts are Consumer Credit Act debts (such as a credit card or a loan with interest), you'll need an adviser who's registered with the Financial Conduct Authority (FCA).
Appointments vary depending on which debt advice service you use. But it's likely that your adviser will:
When they understand your circumstances and budget, they’ll talk you through your options and help you identify what steps to take next.
Once you have an appointment with a debt adviser, make a list of who you owe money to, and work out the total if you can.
When it’s time for your appointment, try to make sure you have the following things to hand:
It’s important to tell your debt adviser about all of your debts – even the ones you’re managing. You also need to let them know if:
Make sure to keep paying your 'priority debts'. These are debts that have the most serious consequences if they're not paid. For example, if you don’t pay your mortgage, your home could be repossessed.
Priority debts include:
Non-priority bills can include water, catalogue debts, credit card debts, unsecured personal loans and money borrowed from friends and family.
Make sure that you're open with your debt adviser about all your debts because they tthey can help you to prioritise them.
If you don’t pay your gas or electricity bill within 28 days, your energy supply could be cut off. However, it can’t be cut off without notice and your gas or energy company must send you a warning letter.
If everyone in your home is over State Pension age, they can’t cut off your energy supply between 1 October and 31 March.
Also, if anyone in your home is over State Pension age, your supplier should take steps to avoid cutting off your energy supply over the winter months.
If you’re having difficulty paying your gas or electricity bills, tell your supplier as soon as possible. You may be able to work out a payment plan or install a pre-payment meter.
Make sure you know your rights when dealing with creditors. If your creditors contact you while you’re waiting for your appointment, tell them that you’re seeking advice – they should give you breathing space. If they keep pressuring you, talk to your debt adviser about what to do.
It’s important to be aware of these rules:
We offer support through our free advice line on 0800 678 1602. Lines are open 8am-7pm, 365 days a year. We also have specialist advisers at over 120 local Age UKs.
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