I'm struggling and need advice

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General Debt Help

If you feel you are drowning in debt, struggling to pay bills and make ends meet, or just want to be able to manage your money better, you are not alone.

Sometimes you don't know what to do, but burying your head and ignoring the problem is not the answer.

It's an emergency. My creditors are threatening me with serious action, what can I do?

It is best to get some advice straight away, for example, from your local Citizens Advice bureau.

For free information and advice about debt, ring National Debtline on 0808 808 4000 or visit the National Debtline website

StepChange Debt Charity are the UK's leading debt help organisation. Use, Debt Remedy for fee online debt help. It can give an instant assessment of your situation, offer expert advice tailored to your needs as well as personalised budgeting. For more information visit StepChange Debt Charity.

If your situation feels hopeless and you are depressed or desperate, call Samaritans for support, on 08457 90 90 90 (local rate). The British Gas Energy Trust provides grants to help people who are behind with their energy charges and other household bills. Read more about the grants, or contact the Trust for further information.