StepChange, National Debtline and MoneyHelper give free, independent help today. Please contact them before you pay anyone, including us.
Free debt advice and debt solutions. StepChange can negotiate with creditors and set up repayment arrangements.
Free, confidential debt advice by phone and online, with template letters for dealing with creditors.
Free, impartial guidance backed by government, including help working out how serious your position is and what options you have.
If you are struggling to cope, call Samaritans free, 24 hours a day, on 116 123.
Advice to a person on how to deal with their debts is a regulated activity, and Buzz Accounting Ltd is not authorised to give it. The organisations above give that advice free.
Planning can help once the immediate pressure has passed.