Q813: I have debts and am worried about what will happen. What can I do?

If you have debts, it is important to find help and support as soon as possible. Don't ignore them, as the problem won't just go away.

There are several organisations that can assist you in managing and reducing your debts. See below for further information, and in 'related links' for the relevant websites.

Citizens Advice

Citizens Advice Bureaux give free, confidential, impartial and independent advice to help you solve problems, including debt problems.

National Debtline

National Debtline provides free confidential advice to people with debt problems. On their website, you will find guides, budget tools and sample letters to help you get started.


Payplan is UK's largest provider of free debt solutions. They offer free debt advice and solutions, such as debt payment plans. When you contact Payplan, an adviser will look at your financial situation and help you decide the best option to sort out your debts. If a repayment option is appropriate, they can help you approach your creditors with a repayment plan and distribute repayments on your behalf until the debts are repaid.

StepChange Debt Charity

StepChange Debt Charity is a registered charity offering free, confidential advice and support to anyone who is worried about debt. Their website contains a debt remedy tool which uses a series of questions about your income and expenditure to provide a remedy tailored to your personal circumstances.

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