If your debts are becoming unmanageable or you are facing an emergency like court action or eviction, you are not alone. Even though you may be feeling overwhelmed, scared or you’ve just stopped opening the post, there is free help is available to support you.
What is a debt emergency?
The Money Advice Service describes a debt emergency as:
- court action
- bailiff action
- eviction for mortgage or rent arrears.
If you are facing any of these it is important to get free independent debt advice urgently.
You can use the Money Advice Service debt locator tool to find free debt advice services in your local area.
A debt adviser will be able to talk to the court, bailiff or creditor on your behalf.
You may feel that your debt problems are too small for an adviser to help you, or that you can’t afford advice or even that you don’t deserve help.
These free services are here to help everyone, no matter what your circumstances are.
- A debt adviser will never judge you or make you feel bad about your situation.
- They are happy to give advice however big or small your debts are.
- Everything is confidential.
I am expected in court
The Money Advice Service advises that you always turn up to a court hearing. If you don’t go, a decision may be made without taking into account your situation.
Some courts use advice organisations such as Shelter or Citizens Advice who will be able to give you some last-minute advice on what to do.
If you’re due in court within 24 hours, ask if there is someone you can speak to before your case is heard.
The Money Advice Service is part of the Money and Pensions Service.