A local Shelter advice centre or Citizens Advice bureau may be able to help if you're worried about debt. You can also get debt or money advice over the phone or online.
How a debt adviser can help
A specialist debt adviser could help you to:
- claim any benefits you're entitled to
- manage your income and expenditure
- prioritise your debts
- produce a financial statement
- negotiate with lenders and other creditors
Shelter advice services
Many Shelter advice centres offer specialist debt advice as well as housing advice.
Shelter may be able to help you with debt problems including:
- rent arrears
- mortgage arrears
- utility bill debts – gas, electricity and water
- debt collection companies or creditors
- hire purchase, credit card or loan arrears
Civil Legal Advice
You might qualify for legal aid (free legal advice and representation) if your home is at risk because of rent or mortgage arrears and you're on a low income.
Civil Legal Advice provide telephone advice and may refer you to a solicitor for further help.
Face-to-face debt advice
You can get face-to-face debt advice from Citizens Advice, Shelter and other independent advice agencies.
A number of charities have national helplines that provide free debt advice:
These organisations also have useful websites with lots of information, self-help tools and a webchat service.
Several organisations offer online tools to help you budget and deal with your debts.
Last updated 11 Jul 2017 | © Shelter