Debt advice

I am having problems paying my bills, what should I do?

You should:

get advice
not borrow money to pay off your debts - get advice first
make sure you are claiming all the benefits and tax credits you are entitled to
tackle your highest priority debts first
contact everyone you owe money to
keep copies of all letters or court forms you send or receive
not ignore letters or bills
not be put off if a creditor refuses your request - try again and again

Where can I get help and advice?

You can get help and advice from:

How should I prioritise my debts?

You should prioritise your debts according to the action that will be taken against you if you don't pay, for example:

not paying rent, service charges or mortgage - you may lose your home
council Tax - you could be imprisoned
gas and electricity bills - you may be disconnected

You should contact your creditors, explain your situation and agree a realistic and affordable repayment plan.

How do I set myself a budget?

First, you should list the income you get now, for example, wages and benefits. You should then consider if there are any ways to increase the amount of money you have coming in.

Next, list your spending, for example, utilities, housekeeping items, food, travelling expenses and clothing. You should then consider if there are any ways you can reduce your costs, for example, you could change your supplier for gas, electricity, TV, internet.

How can I maximise my income?

Check you are claiming all the benefits you are entitled to. You should also:

make sure those who live with you contribute towards their keep
make sure you get enough child maintenance from your ex-partner
see if you, or anyone else in your household, could take on more work or work extra hours

There are organisations that can help you maximise your income listed under "Where can I get help and advice".

Last modified on 07 May 2026

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