Don’t ignore a debt problem - doing nothing could make things worse. This advice has been produced in partnership with Homes for Northumberland and Citizens Advice.
- Contact the organisation you owe money to and let them know you are having problems – they may be able to give you different payment options.
- Pay priority debts first and consider using a debt advisor for budgeting help.
- Think carefully before borrowing money to repay your existing debts.
- Get advice before borrowing against your home. You will pay more in the long run and you risk losing your home.
- We would strongly recommend joining your local credit union for borrowing and saving as you could be wasting money paying back doorstep lenders.
- You may be able to ask a court for more time to repay a debt – but only in some circumstances. Speak to a debt advisor before considering court action and keep copies of letters and emails in case they are needed by the court.
- The law can be complex and your rights and options are dependent on the agreement made. See below for useful resources for free help and advice.
Helpful links & resources if you have other debts
Use the links below for organisations that can offer free, confidential and impartial debt advice.