Debt Help & Advice
Practical, calm guidance for anyone dealing with debt — including payment plans, what to do if you can't pay, and where to find independent support.
Helpful, Practical Debt Guidance
We're here to help you understand your options and find a way forward.
Understanding Your Debt
Start by understanding exactly what you owe, to whom, and what your options are.
Payment Plans
Many debts can be managed through an affordable repayment arrangement.
Talk to Someone
You don't have to deal with debt alone. Independent advice is available.
What to Do If You're Struggling
If you're finding it hard to keep up with payments, there are steps you can take.
Payment Plans
A payment plan lets you repay what you owe in manageable instalments over time. If you're contacted about a debt, you can discuss an affordable repayment arrangement based on your circumstances.
What If I Can't Pay?
If you can't pay, it's important to communicate. Contact the creditor or recovery team as soon as possible to discuss your situation. Ignoring a debt usually makes things harder.
How Payments Work
Payments can usually be made by bank transfer, card or other agreed methods. Always keep a record of your payments and any correspondence about your debt.
Budgeting Guidance
Creating a simple budget — listing your income and essential outgoings — helps you understand what you can realistically afford to repay each month.
Free, Independent Debt Advice
There are trusted, free organisations that provide independent debt advice and support. We encourage anyone struggling with debt to reach out to them.
StepChange Debt Charity
Free, independent debt advice and support. (Placeholder — confirm details before launch.)
Citizens Advice
Free, confidential and independent advice on debt and money. (Placeholder — confirm details before launch.)
MoneyHelper
Free, impartial money guidance from the government-backed service. (Placeholder — confirm details before launch.)