Debt and money worries

Debt advice is free and does not affect your credit rating. Do not pay a company for help you can get for nothing.

Gather your letters, list what you owe and what comes in, and speak to one of the free services below. They can write to creditors for you and set up affordable payments.

If you are worried about your home, tell them that first: there are protections, but only if you act early.