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Debt advice

Thousands of people each year are finding it difficult to manage. This could be for many reasons such as illness, losing a job, a decrease in income, moving home or divorce and separation. 

Please do not ignore this problem. It is important to seek advice as soon as you can.

Think carefully before borrowing money to pay off your debts. If you are a homeowner, this kind of borrowing could result in the loss of your home.

  • If you have lost your job or are off sick, check if payments are covered by insurance
  • Tackle priority debts first. For example rent, mortgage, council tax, TV licence
  • Always respond to court papers urgently and keep copies of all correspondence

The following companies offer free confidential advice:

Citizens Advice Bureau

122 Poulton Road, Fleetwood, FY7 7AR
Telephone 0344 245 1294
Please telephone to make an appointment

FREE online debt advice

National Debtline offers free debt advice online through its My Money Steps tool and its web guides, fact sheets and sample letters.

www.nationaldebtline.org 
Telephone: 0808 808 4000
Monday to Friday 9am to 8pm
Saturday 9:30am to 1pm

StepChange Debt Remedy provides you with the advice, budget support and solutions to help you manage your debts.

www.stepchange.org 
Telephone: 0800 138 1111
Monday to Friday 8am to 8pm
Saturday 8am to 4pm

Debt Advice Foundation is a registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt

www.debtadvicefoundation.org 
Telephone: 0800 043 40 50
Monday to Friday 8am to 8pm
Saturday 9am to 3pm

Payplan - all debt advice from PayPlan is free. They can help you with free debt advice on credit card bills, personal loan arrears, mortgage or rent arrears and what to do if you get behind with gas or electricity bills.

www.payplan.com/free-online-debt-help 
Telephone: 0808 278 4570
Monday to Friday 8am to 8pm
Saturday 9am to 3pm

 

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