Help with debt
If you're in debt, you need to take action quickly to stop the situation getting any worse.
To start dealing with your debt problems, look at our page on How to sort out your debts. This will help you work out how much money you owe and whether you've got any urgent debts. Then you'll need to look at the section on Budgeting to see if you've got enough money to pay off your debts.
This content applies to Scotland
How to dispute a credit debt
How to sort out your debts
How to sort out how much money is owed and to identify the most urgent or priority debts.
What options are there for dealing with debt
Options for dealing with debt including debt management plans, debt consolidation, bankruptcy and sequestration. Also shows where further help and advice can be found.
Dealing with priority debts
How to deal with creditors of priority and urgent debts such as mortgage and rent arrears, utility arrears and council tax arrears.
How to deal with creditors of non-priority debts
How to deal with creditors of non-priority and less urgent debts including credit card debts, benefits overpayments and student loans. Also gives advice on how to deal with debt collectors.