Low Graphics | Accessibility

Step 7 - Know when to get help

If you’re not getting anywhere or you’re confused, you need to get help.

You can get help from your local advice or law centre, a solicitor, many charities, and organisations like Citizens Advice, Consumer Service, or ACAS.

Depending on your problem, they may step in and do some of the work for you, or they may just clarify what you should be doing and advise you on tactics. Help from a professional, even if it just confirms you've been doing the right thing, should help to stop things getting out of control and becoming too stressful.

Hot tip!
If you have an important deadline approaching fast, perhaps a court date, get help or advice as soon as you can.

Advice Now Webs 0005 OpI got into debt when I lost my job. My credit card company started sending me letters saying that if I didn't pay it all off immediately, they'd send the bailiffs round. But I didn't have the money. When I phoned the ‘helpline’ they said they'd take me to court, add £300 court fees to my debt, and a bailiff would come into my flat and take all my things. I offered to pay what I could each week, but he wouldn't have any of it. I was so desperate I thought about taking out another loan.

But then I went to see an adviser. She said that they couldn't take my things, and that he had broken the law by saying they could. She said that if they took me to court, the court would only make me pay off what I could afford each week - exactly the same as I had already offered! We wrote out my income and all my expenses and worked out I could only afford to pay £2.50 a week.

When I phoned him back, it was so much easier because I knew the law was on my side. They backed down eventually and accepted £2.50 a week. They had no choice."
David, Worthing

January 2014

Get advice

Need help with a problem? Find advice services and solicitors near you who can help you solve your problem. Many people are able to get free help and advice.

Have we been helpful? Could you help us in return?

Advice Now Web 0033 Op

If you found this information helpful could you make a small donation to help us keep this website up and running. Just text the code ADVN22 £2 (or any amount between £1-10) to 70070 to donate to us. We are a very small charity and rely on donations, grants, and sponsorship. Alternatively, If you are a Facebook user you could share the guide you liked on your wall (there is a button at the bottom of the page) or you could post it to any relevant forums you use.

Please rate this article:

In this section

Where do you tend to go for advice when you have a problem?

Get Adobe Reader

Get Adobe ReaderSome documents require Adobe Acrobat Reader to view them. Download it here.

Problems Downloading? Download help