If you are struggling with debt, you may be finding it difficult to make your bill payments and many people can feel overwhelmed or pressured to make payments that they can’t afford.
Some bills are classified as priority payments, because the consequences of not paying them are greater than others. For example, if you do not pay your rent or your mortgage you could be in danger of losing your home.
At Johnnie Johnson Housing we are keen to support you. We work closely with the StepChange Debt Charity who give free expert impartial advice on debt and help you prioritise your payments and put solutions in place to make your finances manageable again.
How to get help?
Dealing with debt can be confusing and scary for many. There are hundreds of reasons why people put off getting debt advice – some fear they’ll be judged, and many aren’t aware that free, impartial debt advice is available.
Recognise the signs
StepChange Debt Charity estimates that the average person waits 12 months between realising they’re in financial trouble and getting debt advice for the first time, during which their situation can get even worse. If you are in debt, had a sudden change in circumstances or using loans to pay off other debts we recommend seeking debt advice.
Prepare
Before speaking to an advisor for help, it is important to be prepared to answer questions about your debt, monthly budget and outgoings and your personal circumstances. This will ensure you receive the correct support to start your journey to become debt free.
Speak to StepChange
StepChange is the UK’s largest provider of free debt advice and we recommend speaking to them if you’re worried about your debt. You can visit their website at http://www.stepchange.org/ or call them for free on 0800 138 1111.
If you would like more information and support about how to manage your finances and priority payments, please visit: https://www.stepchange.org/debt-info/dealing-with-debt-problems/what-debts-to-pay-first.aspx