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If debt is a problem, it’s important to face up to it and get back in control.

Tips:
• Don’t get more loans to cover your debts – this could cost you much more

• List what money is coming in and going out. See if there is a way to cut your spending, like on non-essential items

• Talk to the people you owe money to and see if you can agree a better repayment plan

• Prioritise your debts – some are more serious than others. For example not paying your rent or mortgage could result in you losing your home. Other debts like council tax, gas and electricity, fines and maintenance payments also need to be treated as a priority

• Don’t be embarrassed. You are not alone - most of us get into difficulties. It’s how you deal with the situation that matters. If you don’t know what to do, just ask us for help.
 
Getting help

There’s always a way out of debt and there are lots of people who want to help you.

We are here to talk to if you are struggling to cope with debt. Plus there are even more independent money advisers ready to help:

The Money Advice Service is free and independent. Visit their website www.moneyadviceservice.org.uk or give them a call on 0300 500 5000.

There’s also the free National Debt Line. They'll talk you through your options and give clear advice on how to take back control of your finances. Visit their website at www.nationaldebtline.org.uk  or call on 0808 808 4000.

We are all here to help you.