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Dealing with debt

This content applies to England only.

Housing laws vary between England and Scotland. This page applies to England only. Get advice relating to Scotland

Housing problems often start because of financial difficulties. If you are struggling with unmanageable debt, you need to take action as soon as possible.

Are you in debt?

Tell-tale signs that your debts could be getting out of hand include:

missing more than one repayment on a store card or credit card
not opening bills or bank statements because you're afraid of what they'll say
borrowing on one credit card or bank account to pay off another one
paying off the interest on your loans yet never reducing the amount you owe.

What you can do about it

It is important to remember not to bury your head in the sand. Hiding bills and bank statements won't make them go away.

Help is at hand. A specialist debt adviser may be able to help you maximise your income and manage your debts more easily. You can use our directory to find an adviser in your area.

Where to get help with debts

Your local Shelter advice centre may be able to help. Many of our local services provide specialist help with debt issues as well as housing. Read more

Priority and non-priority debts

When you are in debt it is important to know whether these debts are priority or non-priority debts, as this will help you to work out your options. Read more

Consolidating debts

Consolidating your debts involves taking out one single loan to pay off all or some of your other debts. It can be very risky if the loan is secured against your home. Read more

Bankruptcy

Bankruptcy is a legal procedure that may be followed if you are unable to meet your debts. Read more

Alternatives to bankruptcy

Learn about options that may be preferable to bankruptcy, such as administration orders, composition orders and individual voluntary arrangements. Read more