Debt
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UNDERSTANDING DEBT
This guide covers everything from what debt actually is, to what happens if you can’t afford to meet repayments.
It is important to know the difference between secured and unsecured loans when you are borrowing money. Find out more here.
GETTING HELP WITH DEBT
This online debt consolidation calculator will help you to work out whether consolidating your debts is the best option for you, or if you can choose a more suitable way to repay what you owe.
If you are worried about or struggling with debt, get free support from StepChange.
Money Buddies can help you save money, increase your income and advise you at times of financial crisis. Whether you’re having difficulty paying any debt, need legal debt advice or if you are not sure of what to do about your finances, Money Buddies offer many services including FREE debt advice in Leeds.
National Debtline is a charity that gives free and independent debt advice over the phone and online.
For help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape, visit the Citizens Advice pages on debt and money.
Debt problems can often lead people to experience bad mental health. You can find more information about this here, including how to get help.
ACTION FROM CREDITORS
For a range of help with bailiffs, including if they are trying to come into your home, visit this site and find out exactly what you need to do.
The people you owe money to are called ‘creditors’. If you owe money and you don't pay it back your creditor might take you to court.
This page tells you how creditors are supposed to behave towards you when they are trying to recover their money. It also tells you what kind of behaviour is not acceptable and how to tell if you are being harassed by a creditor. Harassment is any action that makes you feel distressed, humiliated or threatened.