You can get free, independent and impartial advice from these organisations:

• National Debt Line: 0808 808 4000
• Citizens Advice Bureau (CAB): 03444 111 444 (England) or 03444 77 20 20 (Wales)
• Step Change Debt Charity: 0800 138 1111
• MoneyHelper: 0800 138 7777
• Money Advice in Scotland: 0141 572 0237
• Civil Legal Advice: 0345 345 4345
• Shelter Housing Advice: 0808 800 444