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Where to get help if you're in debt

One in six people in London admitted to putting post in the bin, they thought were bills, without opening it. Photo: PA

With more than a third of people in the capital (35%) expecting to struggle or fall behind with their rent or mortgage in 2014, the charity Shelter is urging anyone worried about their housing costs to get help this month by visiting shelter.org.uk/advice.

SHELTER

How they can help:

  • They can help negotiate with your landlord or mortgage lender so you can pay off what you owe at an affordable rate.
  • They can also give advice on pay day loans and credit cards.
  • More than one million people a year come to the charity for advice via their website and telephone lines.

CONTACT DETAILS:

Phone: 0808 800 4444

Website: Shelter advice page

There are lots of other places that offer help and advice if you have money worries:

CITIZENS ADVICE BUREAU

How they can help:

  • The Citizens Advice Bureau provides free information and advice on many different legal and money problems.
  • They can offer face-to-face advice and provide translators if necessary.

CONTACT DETAILS

Walk in: You can go to your local Citizens Advice Bureau Phone: 08444 111 444 (Calls cost 5p a minute from a BT landline)

Phone: 0Phone: 08444 111 444 (Calls cost 5p a minute from a BT landline)8444 111 444 (Calls cost 5p a minute)

Website: The Citizens Advice Bureau website

NATIONAL DEBTLINE

How can they help:

CONTACT DETAILS:

Phone: 0808 808 4000

Website: Visit the National Debtline website

STEPCHANGE DEBT CHARITY

How they can help:

  • The website through online guides offers free, independent and impartial advice for people who have debt problems.
  • They can offer a quick assessment of your financial situation give you tailored debt advice.
  • It's anonymous, free of charge and available 24 hours a day.
  • The phone number is free from all mobiles.

CONTACT DETAILS

Phone: 0800 138 1111

Website: The StepChange Debt Charity

Over one in five people in London say they've not opened post if they thought it was a bill or late payment reminder in the last 12 months. Credit: PA