Take a look at the advice below and click on the links for more advice or tools you can use to help you.
1. Make mortgage and rent the top priority
Keep on top of your mortgage and rent payments when dealing with debts or you may be danger of losing your home.
Priority and non-priority debts
2. Apply for breathing space and manage rent or mortgage arrears
Getting help and advice can stop mortgage arrears or rent arrears turning into a problem that threatens your home.
The Breathing Space scheme gives you time to get some specialist advice to deal with the arrears without the pressure of formal action being taken against you. To find out more about the scheme and how to apply, click here.
Tackle mortgage arrears
Take action on rent arrears
3. Organise your money
Whatever your situation, knowing where your money goes can help you deal with debt and get you back in control.
4. Deal with overdue loans and credit card spending
Using credit cards, store cards and short term loans to cover daily costs can quickly turn into long term debt.
Credit card debt
Credit card calculator
5. Use free advice to deal with debts
No matter how bad things may seem there is help and support available to get you through and deal with your debts.
Find free advice on debt