If you are in debt, you can take steps to improve your situation. The Money Advice Service is a Government program that provides information on debt and borrowing, including how to take control of debt, where to get free debt advice and how to borrow money affordably. They also offer tools and calculators to help with managing debts and finances.
You can also receive expert advice from StepChange, a national charity helping those in debt. They will take details of your debts and help you create a personal budget. They will use this information to work out your options and provide you with a personal action plan explaining what to do next. You can access this support online through Debt Remedy or by calling their helpline on 0800 138 1111.
Face-to-face debt advice
Citizens Advice can offer face-to-face debt advice. These can take place in community centres, doctors' surgeries, courts and prisons or on the high street. Search for your local Citizens Advice.
Who else can help?
Armed Services Advice Project (ASAP)
The Armed Services Advice Project is a Citizens Advice service offering support with benefits, managing debt and other money matters to members of the Armed Forces community in Scotland. Visit the ASAP Advice website.
Tax Volunteers is a national charity offering free tax advice to people who are over 60 and on a low income. You can seek advice on any personal tax problem, no matter how complex the issue may be. Visit the Tax Volunteers website for more information or call their helpline on 0845 601 3321 or 01308 488066.