Debt support
When bills start to pile up, it can be hard to see a way out. But with the right support, you can take back control and start tackling your money worries.
Struggling to keep up with bills? You’re not alone.
More than half of UK adults have dealt with debt at some point in their lives. Unexpected life changes can quickly lead to debt problems; from a relationship breakdown to personal illness, reduced hours at work or losing your job. If you think you might have a debt problem, there are lots of people and organisations out there to support you.
Get help from our financial support team
Our advisors are trained to give free, one to one support, if you're worried about money. If you're struggling to pay your rent, looking for benefits support or help with budgeting then give us a call. They can even help you find free clothing and interview coaching.
Understand and tackle your debt
In-person advice:
It's not easy to talk about debt but there are lots of organisations that have helped thousands of people manage their debt:
Contact Citizens Advice for debt advice both online, or in-person through their network of centres:
Contact MoneyHelper for free debt advice either online or on the telephone. Visit MoneyHelper.
Online debt help tools:
MoneyHelper money navigator: This helps you prioritise your debts, gives advice to help you stay on top of your bills and find extra help. Visit MoneyHelper money navigator
Personal debt analyser: This helps you understand your debt and gives practical next steps, including pre-written letters to help you negotiate with unsecured creditors. Visit personal debt analyser.
Set a budget
Being careful with your money can help you stay in control and keep on top of your bills. A great place to start is by setting a budget. Our free budgeting tool is anonymous and will help you create a personal budget plan in minutes.
Find out what benefits you can claim
If you’re finding it hard to keep up with your rent payments, you also need to make sure you’re claiming what you’re entitled to. Benefits can pay for all or part of your rent depending on a number of different things. Find out how much you might be able to claim with our free benefit calculator.
Check out free legal advice
Dealing with financial problems can be daunting. But you don’t need to face it alone. If you’re a Home Group customer and your debt problems mean you’re at risk of losing your home, you can get free and confidential legal debt advice from Civil Legal Advice (CLA).
The CLA provides specialist legal advice to people with debt problems. Their team of experts can give you help over the phone or online. In some cases, they might arrange for you to have a face-to-face meeting with one of their specialist CLA advisers. The service is paid for by Legal Aid and is 100% free. Find out more on our legal advice page.
There's lots of friendly, professional advice services who can help
- Money, benefits and wellbeing advice home
- Energy saving tips
- Eating on a budget
- Financial support team
- Wellbeing advice
- Debt support
- Bedroom tax
- Benefit cap
- Benefit calculator
- Budgeting tool
- Entitled to fair processing notice
- Help with your energy bills
- Housing Benefit
- Legal advice
- Personal Independence Payment (PIP)
- Redundancy support
- Savings and discount schemes
- State Pension age benefits
- Universal Credit
- Universal Credit: updating rent and service charges
- Utility bill support
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Make a spending plan
Create your own personal spending plan with our easy-to-use budget planner.
Claiming benefits
Our benefits calculator will help you find out what benefits you can claim.
Talk to our financial inclusion team
Our team are trained to give free, one to one support, if you're worried about money. If you're struggling to pay your rent, looking for benefits support or help with budgeting then give us a call. They can even help you find free clothing and interview coaching.