Debt and money

Source: Citizens Advice

Dealing with money issues can sometimes be off-putting, but if you don’t understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt. The following pages will give you the information you need to make the right choices, including help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape.

If you can’t pay your bills because of coronavirus

Check what help you can get if you can’t afford to pay bills like council tax and energy because of coronavirus (COVID-19). Also find out when you can pause repayments for bills like mortgages and tax debt.

Help with debt

Get help to work out how much money you owe and which debts you should pay back first.

Debt solutions


Use our budgeting tool or get help with your bills.

Mortgage problems

Rent arrears

Action your creditor can take

Borrowing money



Getting financial advice

Information on choosing a qualified financial adviser, how much advice will cost, a checklist of things to think about before seeing an adviser and how to make a complaint.

Sample letters to creditors

Get help with gambling problems

Find charities and services that can help with gambling addiction.