If you are in a debt crisis right now, please know that help is available and you are not alone. Whether bailiffs are at your door, creditors will not stop calling, or you simply do not know how to get through the month, there are people ready to help you today.
Free, confidential, no judgement
A debt emergency can feel like the walls are closing in. When creditors are demanding money you do not have, when you are worried about feeding your family or keeping the lights on, when you feel trapped and scared, it is important to know that there are real, practical solutions available to you right now.
Every year, thousands of people across the UK find themselves in a debt crisis. It can happen because of job loss, illness, relationship breakdown, or simply because bills have been building up over time. None of these things are your fault, and there is absolutely no shame in needing help. What matters is that you take the first step.
Whether you need free emergency debt help for your family, urgent advice about bailiffs, or just someone to talk to who will not judge you, support is available. The sooner you reach out, the more options you will have.
Debt can take a serious toll on your mental health. If you are struggling emotionally, please reach out to the Samaritans on 116 123 (free, 24 hours). You can also text SHOUT to 85258 for crisis support. Your wellbeing comes first, always.
If you are in a debt crisis right now, follow these steps. You do not need to do everything at once. Start with step one and go from there.
Make sure you have food, heating, and a roof over your head. Priority bills like rent, council tax, and energy should come before credit card or loan payments.
If possible, make a quick list of who you owe, how much, and any letters or notices you have received. Do not worry if you do not have every detail. An advisor can help you piece things together.
Call us on 07506 053797 or reach out to StepChange, Citizens Advice, or National Debtline. You do not need to have all the answers before calling. Just start the conversation.
Your advisor can explain options like Breathing Space, which provides 60 days of legal protection from creditors. This gives you time and space to find the right solution.
There are several debt solutions that can help, from IVAs that write off a portion of debt to Debt Management Plans that reduce your payments. Your advisor will explain what fits your situation.
There are legal protections designed to help people in a debt crisis. These can stop creditor contact, freeze interest, and give you the space you need to find a lasting solution.
A government scheme that gives you 60 days of legal protection. Creditors must stop chasing you, interest is frozen, and bailiff action is paused.
A legally binding plan where you pay what you can afford for 60 months. Remaining debt is written off. Creditors must stop all contact and enforcement.
If you have low income and few assets, a DRO can write off qualifying debts after 12 months. It costs just £90 to apply.
Not sure which option is right for you?
Check your options freeWhen you are in a debt emergency, speed matters. Here is how to get expert help quickly and what to expect when you reach out.
Families in financial crisis
If your family is struggling with multiple debts, we can help you find a solution that protects your household and reduces the financial pressure.
Tenants facing rent arrears
If you are behind on rent and worried about eviction, there are protections available. Getting debt advice quickly can help you keep your home.
People facing bailiff action
If bailiffs are visiting or you have received a notice of enforcement, there are legal ways to stop them. You have rights, and we can help you use them.
Anyone overwhelmed by debt
Whether your crisis has been building for months or hit suddenly, there is no wrong time to ask for help. We are here for you, whenever you are ready.
A friendly, private conversation
We listen without judgement and ask a few questions to understand your situation
We explain your options clearly
Based on your circumstances, we outline every option available to you
You decide what to do next
There is no pressure. Take your time, or start a solution straight away
Answers to urgent questions about emergency debt help, crisis support, and what to do when debt feels overwhelming.
Our advisors are ready to help you right now. Free, confidential, no judgement.
Get Help NowNo matter how bad things feel right now, there are solutions. Thousands of people in the same situation have found a way through, and you can too. Our free assessment takes just 2 minutes.
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Get 60 days of legal protection from creditors with the government Breathing Space scheme.
Know your rights and find out how to stop bailiffs legally. Urgent help available.
Practical help and support when debt feels overwhelming and unmanageable.
Urgent help and options if you cannot keep up with your debt payments.
Access free, impartial debt advice from qualified UK advisors.
Find out how to legally stop harassing calls and letters from creditors.