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Holby City

Holby City's debt emergency – has it happened to you?

In tonight’s episode of Holby City, Charge Nurse Fletcher has trouble with his debts. It’s a story we advised on, and know all too well. But when it’s not a TV storyline, and is happening to you – what should you do?

Debt is an important issue both on and off screen, but unfortunately there is still too much hesitation in getting help. Fletcher tries covering the problem up to his family and colleagues rather than talk about it, and he’s not along in doing this

However, we know that free debt advice really works.

We asked Caroline Hamilton, our Debt Advice specialist, for her advice if you’ve been affected by the issues talked about in the episode.

Don’t hide when it comes to debt

The feeling of being in debt can be tough. But the truth is, most people who seek help have been struggling for a year or longer. This means debt has time to cause destructive side effects on health family, work and more.  

But it doesn’t have to be this way.

It can be sorted so much faster with some expert help – and it doesn’t have to come with a price tag attached.

There are a number of organisations with experienced, knowledgeable people who can help you, which are both confidential and free.  These organisations help hundreds of thousands of people every year and you can easily get in touch with them online, over the phone or face-to-face.

There are lots of ways out of debt as well, so don’t assume there’s no escape just because you can’t pay what you owe. A debt advisor will help you work out what option is best for you.

In fact, those who have unmanageable debt and sought debt advice are 93% more likely to be out of unmanageable debt within a 12 month time-frame than those who have not sought debt advice.
 

 

Don’t deprioritise debt

We know that life can often throw things at you unexpectedly. No-one expects to go through something like a divorce, illness or the bereavement of a partner until it happens. With the emotional impact of something like this, it can be easy to forget about the financial situation.

But you should make sure the money side isn’t overlooked, especially if there is going to be a dip in household income, you will be unable to work, or there’s an increase in costs.

If you find yourself heading towards debt, getting advice is the best thing you can do.

Have you been affected by debt? What did you do?

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