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What is Breathing Space and how can it help me?

If you’re struggling with debts, you might be able to get support through the debt respite scheme, also known as Breathing Space. This could give you valuable...

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What is an Individual Voluntary Arrangement (IVA)?

Find out more about how an Individual Voluntary Arrangement (IVA) works and which debts it covers. Then talk to a free debt adviser about whether it’s the best...

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Letting creditors know about vulnerabilities or adjustments

If you have a disability, impairment or long-term illness, companies you owe money to must treat you fairly. Find out how to talk to your creditors and what ...

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Bill prioritiser: get help with your bills

Managing bills and payments can feel overwhelming, but we’re here to help.

Our Bill prioritiser can show you which bills to tackle first. The consequences...

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Help if you're struggling to pay your bills

Not being able to afford to pay your bills and debts can be very stressful, but it's important to contact the company you owe money to before you miss a payment....

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Talking to your creditor

If you’ve been caught off guard by higher bills and you’re worried about missing a payment, letting your creditor know and having early conversations with them...

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Help if you’re struggling to pay Council Tax

Council Tax is a priority debt you must pay, as the consequences of falling behind can be worse than with other debts. If you’re worried about paying it, it’s...

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Help with mortgage payments

Higher interest rates mean many are struggling with more costly monthly payments. If you’re worried about keeping up with your mortgage – or have already fallen...