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Help and advice when you are in debt

Not having enough money to pay important bills like rent, Council Tax, gas and electricity can be stressful. Your health can also suffer if you’re not eating properly or keeping warm.

While it’s easy to get into debt, it’s more difficult to get out. The most important thing is to talk about your situation with someone you trust. This could be a family member, friend or someone at work. They could help you contact your local authority, landlord or creditors.

Talk to a debt adviser. You might not think so, but talking about your debt can help.

How to get debt advice

Warning Time to deal with debts

You could get up to 60 days' respite from interest, fees and court action to reduce stress and give you time to deal with your debts.

Breathing Space, Debt Respite Scheme (StepChange)

Managing debt and stress

First, prioritise your debts. Write down which debts are:

Priority debts

Not paying these will cause serious problems. They include Council Tax, TV licence, child maintenance, income tax, fuel bills, mortgage or rent.

Emergency debts

Usually priority debt that you’ve been unable to pay or ignored. These can result in eviction, rent arrears or having your gas or electricity cut off.

Non-priority debts

These usually have creditors. You will need to work out a repayment plan for these. They include overdrafts, bank loans, credit card or store card bills and money borrowed from friends and family.

Contact a debt adviser

Contact a debt adviser who will be able to give free advice on paying priority debts or when you’re faced with a debt emergency.

You could try:

If your landlord is a housing association or local authority, tell them if you are struggling to pay your rent. It’s worth asking if they can offer a solution.

Christians Against Poverty have caseworkers who will contact creditors on your behalf.

Ask your local authority if they have a Welfare Rights Service which can take up your case.

Warning Do not pay for debt advice

You should not have to pay for debt advice. Ask your debt adviser if the service is free. If it’s not, look for someone else.

Non-priority debt

Non-priority debts are those you could pay off a little at a time. You could still be taken to court for not paying, but it’s less likely than for a priority debt.

Contact each person or organisation you owe money to and explain your situation. They’ll be able to tell you the minimum amount you need to pay each month.

Paying off non-priority debts (MoneyHelper)

Reducing debt

To reduce your debt, you need to make savings where possible and plan to make regular payments to your creditors. But you need to look after your mental and physical health too. So not eating because you have to pay a gas bill is not a good plan.

Find your local food bank (Trussell Trust)

Speak to a debt adviser who will be able to help you with a payment plan. 

Dealing with debt (MoneyHelper)

Debt help plan (MoneySavingExpert)

Use the Turn2us benefits calculator to find out what you can claim.

Emotional support

People get into debt for different reasons. Whatever the reason, it’s important that you share your concerns with someone you trust.

Talking about money can be difficult, but so is keeping it to yourself.

If your friends and family are unaware of your money worries, they might expect you to join them for days out, meals in restaurants or drinks in a bar. If you keep saying ‘yes’, you’ll get further into debt.

Try doing things together that are free. It’s important for your mental health to forget about your debt worries for a while. Visit each other’s homes for tea. Go to the local park or nearby green spaces. Many museums and places of interest are free to visit.

When you’re in debt, your mental health can suffer so it’s important you maintain friendships, get exercise and fresh air. Look for local groups to join, such as a choir or gardening club or other free leisure activity. Your library could also offer advice about local groups.

If your debt worries do start to affect your health, visit your GP. They may be able to refer you to help.

Mental health and debt (MoneySavingExpert)

Talk to our online community.

Last reviewed by Scope on: 13/10/2021

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