Benefits and debt advice

Low income and mounting debts can lead to homelessness, as well as social, emotional and health related issues. To help prevent this, we can give you advice and support with financial difficulties.

Our debt and financial welfare hub

Our financial welfare hub has trained money guiders who can help if you're struggling.

You can get free help to:

improve your financial situation (including in the short term if you're in crisis)
claim all benefits you're entitled to
manage debt and debt repayments (including if they're taken from your benefits)
find out what to do if you cannot pay your rent or mortgage
maintain healthy finances through budgeting and prioritising spending.

View our financial welfare hub to find out more and contact the team.

Benefits

You may be entitled to benefits. You can find out more about financial support on:

Debt advice

The Money Advisor Network

The Money Advisor Network can connect you with a debt advice provider for free. All advice is impartial, and it won’t affect your credit score.

Talk to a debt advisor through the Money Advisor Network.

Breathing Space

Breathing Space can pause action and protect you if you owe money and are struggling with debt. It will protect you from creditor action.

There are 2 types of Breathing Space:

standard Breathing Space, which you are entered into from a debt advisor and lasts up to 60 days
mental health crisis Breathing Space, which is approved by a mental health professional and lasts as long as you’re in crisis treatment, plus a further 30 days.

View our page on Breathing Space.

Business Debt Line

If you’re self-employed, you can get free advice through the Business Debt Line.

Further advice

Face-to-face debt advice is also available through:

Finance, money management and debt advice