This article is provided by the Money Advice Service
Add up how much you owe
The first step towards taking control is to put together a list of everyone you need to make payments to, including household bills, mortgage or rent payments outstanding loan or credit payments and debt repayments.
Check how much money you need to meet payments and whether you have fallen behind.
If you’re having trouble with debt and finding it hard to manage things yourself, the last thing you might want to do is talk to a complete stranger about your problems.
But it can be the best thing you can do, especially if you’re thinking about using a formal debt repayment method, like a debt repayment plan or bankruptcy. It’s always best to talk things through with an experienced adviser before you make a decision.
This is because there are many ways to deal with debts and you might not be aware of all the options that are available to you. The way that is best for you will depend on your personal circumstances.
A free debt adviser can help you decide which option is right for you. Depending on your circumstances, this might just take one conversation.
A debt adviser will:
treat everything you say in confidence;
never judge you or make you feel bad about your situation;
suggest ways of dealing with debts that you might not know about;
check you’ve applied for all the benefits and entitlements available to you.