If you have a problem with debt, it’s important not to panic. However, don’t ignore it either – it won’t go away, and there is lots of help available.

If you don’t take action to deal with certain debts – ‘priority’ debts such as rent, mortgage, utility bills or council tax- this could have serious consequences for you. Other debts – ‘credit debts’ such as personal bank loans, credit cards and overdrafts- often increase if you cannot keep up payments, with interest and charges being added to the outstanding balance.

There are various options for dealing with debt. The right option for you will depend on your circumstances and what debts you have. You can get free, confidential help and advice on dealing with money problems and debt from the organisations listed below.

National Debtline
Telephone: 0808 808 4000 Monday to Friday 9am-9pm & Saturday 9.30am-1pm.
There is also lots of useful information available on the website www.nationaldebtline.co.uk

Consumer Credit Counselling Service
Telephone: 0800 138 1111 Monday to Friday 8am-8pm
As the UK’s foremost debt help charity, the Consumer Credit Counselling Service (CCCS)  provides free help and debt advice for all kinds of debt problems. Their online counselling service, CCCS Debt Remedy, can identify the best debt solution for your situation.  www.cccs.co.uk

Payplan
Telephone: 0800 280 2816 Monday to Friday 8am-9pm, Saturday 9am-3pm
For debt advice and free debt management plans www.payplan.com

Advice Guide
online help from Citizens Advice www.adviceguide.org.uk

Shelter
Online help from Shelter http://england.shelter.org.uk/get_advice/debt_and_arrears