Skip to main content Accessibility Statement

Debt test

Select the item below that you're struggling to pay for:

When money for everyday essentials is tight, here's what you can do:

  1. Talk to everyone you owe money to and see if they will agree to you paying smaller amounts over a longer period. This will help free up cash to pay for essentials.

    For more help read our guide: Talk to people you owe money to, or if you’d like someone to help you find a free debt adviser now.

  2. See if your employer can give you an advance on your pay. If you’re claiming benefits and waiting for your first payment, or if your money is late, you can ask Jobcentre Plus for a short-term advance.

  3. Ask family or friends if they can help you. Make sure you draw up an agreement and pay the money back on time. Read our guide: Should you borrow from family and friends?

Web chat

Sorry, web chat is only available on internet browsers with JavaScript.

Sorry, web chat is currently offline, our opening hours are

Open:

  • Monday to Friday, 8am to 6pm
  • Saturday, 8am to 3pm
  • Sunday and Bank Holidays, closed
Offline

WhatsApp Logo WhatsApp

  • Need help sorting out your debts, have credit questions or want pensions guidance?
  • Add +44 7701 342744 to your Whatsapp and send us a message.
  • For everything else please contact us via Webchat or Telephone.

Unavailable

Call us

Give us a call for free and impartial money advice.

0800 138 7777

Open:

  • Typetalk: 18001 0800 915 4622
  • Monday to Friday, 8am to 6pm
  • Saturday, Sunday and Bank Holidays, closed