Debt can be overwhelming. A change in circumstances such as redundancy, losing your job, or a breakdown in your relationship can cause serious financial difficulties. Ignoring your debt problems will always make matter worse. If you are in arrears with rent, mortgage, council tax, gas and electricity bills, court fines then it is essential that you act quickly. Information and advice is available to help you manage creditors, set up payment plans for credit cards, store cards, loans and help in dealing with loan sharks etc. For Information on how to help yourself please see the Useful Links page.