This content applies to England only.
Housing laws vary between England and Scotland. Get advice relating to Scotland
If money is tight and demands for payment are mounting, take action. Paying your rent or mortgage must always be your first priority. You may be able to get help with other bills, budgeting and serious problems with money and debt.
Rent arrears shouldn’t be ignored. If you have rent arrears or are struggling to pay your rent, see what steps you can take and what help is available.
Mortgage arrears may lead to repossession. Find out about negotiating with your mortgage lender, what help is available and how to manage mortgage arrears.
Council tax is usually payable if you own or rent your home. Find out about council tax, council tax benefit, exemptions, reductions and arrears.
Find out about the costs of utilities, arrears and disconnections, and energy saving measures
Budgeting your money could help you to keep your home. Use our budgeting tips, tools and money saving ideas to help you with your money.
Need money in a hurry? You may be able to ask the social fund or local charities for help
How to deal with debts step by step, including dealing with priority and non-priority debts, credit cards, payday loans, CCJs and alternatives to bankruptcy.