Help with money

Debt and money advice

Some basic rules for dealing with debt problems are:


  • disregard debt problems
  • ignore court papers or letters from creditors


  • deal with all your debts
  • fill in and return any court forms
  • go to any court hearing

Citizens Advice: debt and money has lots of useful information. Go to Citizens Advice: work out your budget to get help understanding:

  • what you're earning
  • what you're spending
  • where you might be able to cut costs

Free independent advice

There are a number of services that offer free, confidential and independent advice if you are struggling to deal with your problems:

Money Helper

Money Helper gives independent advice and guidance on money matters. Money Helper was previously known as the Money Advice Service.

National Debtline

: 0808 808 4000

National Debtline is an independent debt advice service run by the charity Money Advice Trust.

Citizens Advice Braintree and South Essex – Thurrock
Voluntary and Community Resource Centre, High Street, Grays, RM17 6XP

: 0808 278 7877

Citizens Advice Braintree and South Essex – Thurrock.

StepChange Debt Charity

: 0800 138 1111

StepChange free debt advice includes an online debt help tool that can help you make a personal action plan for the best way to deal with your debts.


: 0808 802 2000

Turn2us helps people in financial need to access welfare benefits, charitable grants and other financial help.

You can also get advice at GOV.UK: options for paying off your debt/

Fair debt collection

Our policy for fair debt collection and recovery is provided below.