Taking back control
Like many things in life the sooner you take action the better. There are lots of free sources of help out there.
The Money Advice Service is one place to start.
It can give you independent practical advice about your financial situations. They also provide budget planners, calculators and all the latest tips and advice to help you manage your finances. Visit the Money Advice Service to find out how to contact them and to get started: this video has some quick advice:
Where to go for help
Another organisation that can help you is the National Debtline.
If things have got to the point of being threatened with legal action over a debt you may want to arrange to visit a Law Centre, or email or telephone them. There are Law Centres in different towns and cities across England and Wales, take a look at the Law Centres Network site to get the information you need.
Some law firms offer debt management services and will be able to discuss your options with you and advise you if they can help to resolve your situation. You can find out more information about lawyers and how to find one on our types of lawyers page.