Help with debts

Debt can quickly become overwhelming, but there are a variety of free, and trusted resources available to manage and reduce debt.

If you are struggling with rent arrears, utility bills, council tax, credit card debt, or payday loans, we can point you in the right direction to organisations offering support in your area.

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How can free money and debt advice help me

When you are going through financial hardship, it is important to know what options are available to get help, and how you can move forward.

Free money and debt advice services will help you to:

  • Understand Your Debts: explain the difference between priority debts, non-priority debts, and ‘square peg’ debts and what could happen if these aren’t paid.

  • Explore Your Options: discuss solutions that could work for you, from informal arrangements to formal insolvency options, and explain the consequences of each.

  • Create a Budget: help you figure out your income and expenses so you can see how much money is available to manage your debts.

  • Set Goals: together, set goals and create a realistic action plan to help you achieve them.
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Understand your debt: What you need to know

There are three categories of debt you can fall into. The category your debt falls under will determine how serious the consequences could be.

Priority debts: Involves a debt where if it is not repaid the consequences faced as a result could be serious such as completing service, loss of your property, or imprisonment.

Non-priority debts: These are the kind of debts which are not considered a priority so are dealt with after your priority debts. It is still important to deal with these kind of debts, but if you could not pay the outstanding debt then the consequence is not as serious.

Square Peg debts: These are for the debts which do not fit into either the priority or non-priority debt categories. This could be as the type of debt you have obtained is due to your circumstances i.e. outstanding phone bill.

If you need help managing your debts, get in touch.

No one should struggle and we are here to help!

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This service is funded by our partner, UK Power Networks

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