Working, but still falling behind
A steady wage that no longer stretches to the end of the month. The bills go out first, and borrowing fills the gap until it can't.
Debt doesn't pick a type of person. We hear from people right across the UK, in every kind of situation, and the one thing they share is that they didn't want to face it alone.
These are some of the situations we hear about most often. Yours might be one of them, a mix of several, or something else entirely.
A steady wage that no longer stretches to the end of the month. The bills go out first, and borrowing fills the gap until it can't.
Childcare, food, energy, school costs. When everything goes up at once, something has to give, and it's often a payment.
One income, every decision, and no one to share the worry with. We hear from single parents every day, and we know how much is being carried.
Income that changes month to month, a tax bill that lands all at once, and personal and business costs that blur together.
Redundancy, reduced hours, a separation, a bereavement or a new baby. Life can change overnight, but the bills don't.
Approaching or in retirement, living on a fixed income, and carrying debts that once felt perfectly manageable.
A first credit card, a first overdraft, a few buy now pay later purchases. It adds up faster than anyone expects.
Letters piling up and no idea which one matters most. You don't need it worked out. That's what the first conversation is for.
Nobody we speak to planned to be here, and nobody has to explain how it happened. Whatever your situation, the first conversation works the same way: we listen, take the details that matter, and, if you're happy to, introduce you to a regulated debt specialist who can look at your options.
Request a callbackHowever it happened and however long it's been going on, you'll be met with kindness, not a lecture.
You don't need paperwork in front of you or exact figures. We can work with whatever you have.
Speaking to our team is free, and you're never obliged to go ahead with anything.
MoneyHelper, StepChange, National Debtline and Citizens Advice all offer free, impartial help too.
If you'd like to understand how your particular debt works first, each of these has a plain-English guide.