It’s never too late to sort out your debts and you can get support. The National Debtline (0808 808 4000) and Stepchange (0800 138 1111) are both charities that can give you free, confidential, impartial advice.
They can help you to:
- work out your budget
- deal with your most urgent debts
- deal with your non-priority debts
You should also make sure you are claiming all the benefits you’re entitled to. You can call Independent Age on 0800 319 6789 to get started.
Don’t be tempted to get a payday loan or use credit cards to pay off your debts. These are short-term solutions and can make the problem worse.
Some companies may offer to help you sort out your debts for a fee but that money would be better spent on paying off your debts. Use the free independent services instead.
Stepchange offers free advice and can help you organise a personal action plan: stepchange.org
National Debtline also offers free advice: nationaldebtline.org
Your local Citizens Advice can also help: citizensadvice.org.uk