Can I get help with my debts?
It'S always recommended 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.
Local Citizens Advice Bureaux usually offer debt advice and you can finde details of your local service by contacting the relevant country:
England and Wales
- citizensadvice.org.uk
- England: 03444 111 444
- Wales: 03444 77 20 20
Scotland
- citizensadvice.org.uk/scotland
- 0808 800 9060
Northern Ireland
- citizensadvice.org.uk/northern-ireland
- 0800 028 1881
There are many other reputable, free, face-to-face debt advice providers including;
National Debtline
A Helpline that 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.
- nationaldebtline.co.uk
- 0808 808 4000
Step Change Debt Charity
Are a charity providing debt advice and can also provide a free debt management plan.
- stepchange.org
- 0800 138 1111
You can also find a local provider and seek additional advice and support through the Money Advice Service.
- moneyadviceservice.org.uk
- 0800 138 7777
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