Knowing what creditors can and can’t do, knowing your options for dealing with your debts, making the best use of the money you have and paying the right people first can make the difference.

About payday loans

Payday loans are short-term loans for small amounts of money. They are available from high street shops and internet sites. Payday loans can be easy to get but interest rates are very high. There may be other, better ways for you to sort out your short-term money problem. Read more

Dealing with the bailiffs and collection agencies

If you owe money, your creditor has various options to try and get their money back. Instructing bailiffs to take your things away is one of these options. However the law does restrict the circumstances in which they can seize goods and the things they can take. More about bailiffs – what they are and what […] Read more

How do I make a budget?

To have a budget means to manage your spending so that it is not more than your income. It should help you to balance your money. If you spend more than you have coming in every week or month it means you are living on debt, which isn’t sustainable. Use any of these tools to […] Read more

I am struggling to pay my rent or mortgage

If you’re struggling to pay your rent or mortgage this doesn’t necessarily mean you have to lose your home. There are steps you can take to negotiate with your landlord or mortgage lender so that you can pay off what you owe. See these pages if you are worried about your mortgage payments or your rent arrears. Read more

I want to see someone

We offer debt advice by appointment for people who need assistance face to face. Please call us on 020 3137 6295 to discuss your problem and how we can help. Read more

I want to talk to someone

Please call our debt advice line on 020 3137 6295. This line operates between 10am to 3pm Monday-Friday and is for people who would like advice about how to deal with their debts over the phone. Please have details of all your debts and any recent letters from creditors to hand when you call. National […] Read more

I’d just like some information about my options.

We’d suggest you start by looking at our debt advice pages You’ll need to make an income and expenditure statement and a list of your debts, separating them into priority and non-priority debts, and try to negotiate arrangements to pay your priority debts before you tackle your non-priority debts. If you need more help we’d […] Read more

What are Bankruptcy and Debt Relief Orders?

Bankruptcy and Debt Relief Orders are different options for dealing with your debts, however they need careful consideration. Find out more about bankruptcy. Find out more about Debt Relief Order. This page tells you about other options for dealing with your debts. Read more