Dealing with debt

Most people will be in debt at some point in their lives. If you are having trouble repaying money you have borrowed, do not ignore the problem. There are many places to get help and advice.

This section provides some general information and advice. The Citizens' Advice Bureau Advice Guide website is also another good place to look for information. See our signposting directories for details of your local Citizens Advice Bureaux and credit unions.

If you are having problems paying your rent, speak to your Incomes Officer as soon as possible. Also see our section on What happens if I dont pay my rent

You can find more information on dealing with debt below:

• Loan sharks
• Are you liable for debt?
• Types of debt
• Planning your budget
• Maximising your income
• Repaying your debts
• Freezing interest
• Negotiating with creditors
• Speak to your Incomes Officer for further help and advice