Some basic rules for dealing with debt problems are:
- disregard debt problems
- ignore court papers or letters from creditors
- deal with all your debts
- fill in and return any court forms
- go to any court hearing
Go to Citizens Advice: work out your budget to get help understanding:
- what you're earning
- what you're spending
- where you might be able to cut costs
Free independent advice
There are a number of services that offer free, confidential and independent advice if you are struggling to deal with your problems:
Money Helper gives independent advice and guidance on money matters. Money Helper was previously known as the Money Advice Service.
: 0808 808 4000
National Debtline is an independent debt advice service run by the charity Money Advice Trust.
: 0808 278 7877 (free phone)
Citizens Advice: Debt and Money – offers a debt counselling service that may help if you are in severe financial difficulty.
: 0800 138 1111
StepChange free debt advice includes an online debt help tool that can help you make a personal action plan for the best way to deal with your debts.
: 0808 802 2000
Turn2us helps people in financial need to access welfare benefits, charitable grants and other financial help.
You can also get advice at GOV.UK: options for paying off your debt/
Fair debt collection
Our policy for fair debt collection and recovery is provided below.