Help with debt
Help with debt problems
Many of us will have financial difficulties at some point in our lives and this can be tough to deal with. Trying to clear debts on your own can feel overwhelming. Though it might not be easy, there is always a solution, and the earlier you get help the easier it is.
Firstly, make sure you are receiving all the financial help you are entitled to:
Turn2us is a national charity that helps people in financial hardship gain access to welfare benefits, charitable grants and support services. The website includes a benefit calculator and 'grant search' tools which finds local charities in the area.
Secondly, avoid loan sharks or debt consolidation companies who often have very high interest rates. You should always seek advice from a free, non-profit debt service, we have listed the main ones below.
The Money Helper Service
The Money Helper Service was set up by the government to offer free and impartial money advice, they can support you with -
- advice and guides to help improve your finances
- tools and calculators to help keep track and plan ahead
- support over the phone and online
You can telephone for free and impartial money advice on free phone (from any UK landline) on 0800 011 3797 Monday to Friday, 8am to 6pm
You can also chat with an advisor online or via whats app
Visit Money Helper website
Bradford & Airedale Citizens Advice Bureau (CAB)
Offers a free, confidential, independent and reliable advice line. CAB also provides drop-in sessions and appointments across the district about all types of problems. Please have details of your debts ready (who you owe and how much) when you call. You can also ring any time and leave a message.
Telephone: 01274 758047 (or 03442 451282 for non-debt enquiries).
Step Change
Provide free and expert advice helping you to deal with your debts and get the support you need. You can get advice online or over the phone at a time that suits you. After they have looked at your budget, they will recommend a range of practical debt solutions based on your situation.
- Online debt advice service
Available 24 hours a day, 365 days a year - Call 0800 138 1111
Monday to Friday 8am to 8pm and Saturday 8am to 4pm
National Debtline
Provides free advice and resources to help people deal with their debts. Advice is available over the phone, online and via webchat.
- Tel: 0808 808 4000
- Opening times: Monday to Friday, 9am to 8pm, Saturday, 9.30am to 1pm
Did you know?
If you’re struggling with serious debt issues, you can now get two months ‘breathing space’ The new scheme aims to help relieve some of the pressure of dealing with your people you owe money too, so you can focus on getting debt advice without worrying about being chased for payment or incurring extra charges. If someone is receiving mental health crisis treatment, they can get a longer grace period, which lasts as long as their treatment plus a further 30 days.
You have to apply for this support and there are rules on who can receive this help. Visit step change for more information.