Where to get debt and benefits advice
Problems with debts, benefits or tax credits make it harder to pay your rent or mortgage.
Stay in touch with your landlord or lender.
Let them know you're taking steps to get advice and deal with your situation.
How a debt adviser can help
A debt adviser could help you to:
claim benefits
manage your money
prioritise your debts
draw up a financial statement
negotiate with lenders and other creditors
Regulated debt advice
Some debt advice is regulated. For example, advice on Breathing Space, debt relief orders, IVAs or bankruptcy.
Shelter does not provide regulated debt advice to the public but the following charities do:
All provide high quality online information, self help tools, online chat and phone service.
Be wary of debt management companies that charge for their services.
Some advertise free debt advice through online adverts but could be offering debt management plans that you pay for instead.
Legal advice if your home is at risk
You could qualify for free legal advice and representation if you're:
on benefits or have a low income
facing eviction or repossession because of rent or mortgage arrears
Civil Legal Advice give phone advice and may refer you to a solicitor for further help.
Check if you qualify on GOV.UK
Or contact Civil Legal Advice on 0345 345 4 345
Ask them to call you back if you can't afford the call.
How a benefits adviser can help
A benefits adviser could help you to:
claim benefits
deal with disputes and delays
check your benefit entitlement
You can get advice on universal credit, housing benefit, jobseekers allowance, income support, tax credits and disability benefits.
Specialist benefits advisers can help with reviews and tribunal appeals.
Charities offer free benefits advice
Advice centres, law centres and charities provide advice free of charge.
Some give general benefits advice and others offer more specialist help.
Try these organisations:
Citizens Advice - Advice by phone, email and online chat
Gingerbread - Online information and a helpline for single parents
Age UK - Advice line 0800 678 1602
Law Centres Network - Find a local law centre. Many offer specialist benefit advice.
Questions about applying for universal credit?
Call a Help to Claim adviser at Citizens Advice on 0800 144 8 444 or use their online chat
Last updated: 18 January 2022
