There are many organisations which offer free, independent money advice. Their advisors can assess your situation and devise the best course of action for you.
0800 280 2816
Payplan offers free debt solutions, including free debt management plans and individual Voluntary Arrangements or IVA's.
0300 777 0107
All members provide free and confidential advice, but not all provide money advice.
Money Advice Service (MAS)
Phone the helpline on 0800 138 7777.
Set up by the Government, the Money Advice Service offers free, impartical advice on everything from budgeting to managing periods of financial difficulty.
Money Advice Scotland
0800 731 4722
A helpline that provides signposting to free confidential and independent advice on how to deal with debt problems.
Citizens Advice Bureau (CAB), UK and Northern Ireland
03444 111 444
The Citizens Advice Bureau offers free, impartial advice on a wide range of subjects, including specific help with mortgage problems.
0808 808 4000
Provides a free, confidential and independent telephone advice service.
Step Change Debt Charity
0800 138 1111
Step Change offers free, impartial advice to people currently struggling with money, and gives tips on budgeting and managing credit commitments.
0800 197 6026
Free, confidential and independent advice for self-employed people and small businesses.
Christian's against poverty
Other helpful contacts
Jobcentre Plus Office
Find your nearest job centre
Your local office can tell you if you are eligible for any State benefits.
For information about benefits.
Council Tax Benefit
To see if you are eligible for help with your council tax bill, phone Jobcentre Plus on 0800 055 6688 or contact your local council.