StepChange Debt Charity can give you free, independent advice on money and how to handle debt.
It's not an easy conversation, so we want to make sure you have access to trained advisors who can help.
Visit their website at www.stepchange.org or call them on 0800 138 1111. This helpline is open Monday to Friday, 8am to 8pm and Saturdays, from 8am to 4pm.
Before you call, StepChange asks that you fill in their online budget form, found in the 'Prepare for Your Call' section on their contact page. It will give them an idea of your circumstances. Calls take around 40 minutes.
You can also email the charity, with their online email form.
Citizen's Advice is another popular, free source of advice and information. Their website has a great "Debt and money" section, with a clear layout and search bar, too.
They'll give you advice on:
Visit their website at www.citizensadvice.org.uk to find out more, or call their advice line on 03444 111 444.
The Money Advice Service, from the Government, is a free money advice service.
The website has useful budget calculators, tips for saving money, and advice on loans and debt.
You can contact them online through their webchat and WhatsApp, or call them on 0800 138 7777, Monday to Friday, 8am to 6pm.
Visit their website at www.moneyadviceservice.org.uk.