Debt

Free, confidential debt advice by phone or webchat. Advisers can help you understand your debts, work out a household budget, look at ways to increase income and reduce outgoings, and explain options for dealing with debt. They can help with debts such as rent or mortgage arrears, council tax arrears, utility arrears, credit cards, loans, overdrafts, benefit overpayments, fines, CCJs and parking charges. They can also help with urgent problems such as bailiff action, threat of eviction or disconnection, court hearings, court applications and Debt Relief Orders (DROs). Eligibility: Open access for people needing debt advice. No age, postcode or referral requirement stated. How to access: Call 0800 240 4420 or use the online webchat service. Lines are open 9am to 8pm Monday to Friday and 9.30am to 1pm Saturday. Closed on bank holidays.