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Last updated:
20/11/2017

What are my options for dealing with debt?

Next steps

  1. Overview
  2. Priority and non-priority debts
  3. Bank accounts and debt
  4. Drawing up a budget sheet
  5. Negotiating reduced payments to your debts
  6. Free Debt Management Plans
  7. Administration Order
  8. Debt Relief Order
  9. Individual Voluntary Arrangement
  10. Bankruptcy
  11. Will I be 'blacklisted'?
  12. Write Offs
  13. What can creditors do if I don't pay?
  14. Should I tell creditors about my mental health?
  15. Getting help from a specialist adviser
  16. Next steps

  1. Useful contacts
  2. Still looking for help?

Useful contacts:

National Debtline

This organisation provides free, independent and confidential advice about debt. You can contact them over the telephone, by e-mail or letter.

Address - National Debtline Tricorn House, 51-53 Hagley Road, Edgbaston, Birmingham B16 8TP

Telephone - 0808 808 4000

Freephone
(Monday - Friday 9am to 8pm and Saturday 9.30am to 1pm)

Call Credit 

Find out about your credit report with call credit.

Address - One Park Lane, Leeds, West Yorkshire, LS3 1EP.

Telephone - 0330 024 7574

Universal Credit Helpline

Universal Credit is a payment to help with your living costs. It’s paid monthly - or twice a month for some people in Scotland. You may be able to get it if you’re on a low income or out of work. Whether you can claim Universal Credit depends on where you live and your circumstances.

Telephone - 0345 600 0723 Textphone: 0345 600 0743

(Monday – Friday 8am – 6pm)

Money Advice Service

You can use the Money Advice Service website to find a debt adviser near you and gain advice on other debt matters.

Address - 120 Holborn, London EC1N 2TD

Telephone - 0800 138 7777

(Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm)

StepChange

StepChange provide free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.

Telephone - 0800 138 1111

(Monday - Friday 8am - 8pm and Saturday 8am - 4pm)

Within this subject

  1. Overview
  2. Priority and non-priority debts
  3. Bank accounts and debt
  4. Drawing up a budget sheet
  5. Negotiating reduced payments to your debts
  6. Free Debt Management Plans
  7. Administration Order
  8. Debt Relief Order
  9. Individual Voluntary Arrangement
  10. Bankruptcy
  11. Will I be 'blacklisted'?
  12. Write Offs
  13. What can creditors do if I don't pay?
  14. Should I tell creditors about my mental health?
  15. Getting help from a specialist adviser
  16. Next steps

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