It can be difficult to manage debt and many people turn to quick solutions for payday loans which can make the debt worse. If you're struggling to pay your bills, there is advice available to help you cope with debt.

Free debt advice

You can get free, confidential and independent advice on debt from:

Find out how to prioritise debt and manage your expenses

Settling debts in court

Owing money to creditors is not a criminal offence, however a creditor may decide to take action to recover these debts in a county court. Don't panic if this happens, you have rights as well as your creditors. Find out what will happen if court action is taken. 

Borrow money safely

Don’t be tempted by pay-day loans, doorstep lenders or loan sharks.

If you have borrowed money from a loan shark you can report them on GOV.UK or by phone on 0300 555 2222.

Be careful about looking for online loans. Some payday loan brokers have withdrawn money from people's bank accounts to pay for their comparison services. If this has happened to you, contact the Financial Ombudsman for advice.

You may be able to borrow money at much cheaper rates by joining a credit union.

Credit unions

Credit unions are set up for the benefit of local people. Profits are put back in to the credit union to improve its services and products for you.  

They can also help you buy essential home items at a low weekly payment that's much cheaper than many high street companies.  

There are two credit unions in the Medway area: