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Free debt guidance

Most people borrow money at some time in their lives, but if you’re struggling to manage your repayments find out how we can help – and how you can prioritise your payments.

Prioritise your debts

If you’re finding it hard to manage your payments, it’s a good idea to work out what you should pay first.

Priority debts

Priority debts are those that can lead to serious action being taken against you. This can mean you being disconnected from your energy supply, losing your home, or even being sent to prison.

Priority debts include: 

  • rents or mortgages
  • council tax
  • utility bills (excluding water bills)
  • secured loans
  • court fines. 

Non-priority debts

You can't be sent to prison or lose your home for not paying non-priority debts, but the creditor can take you to court to get a court order. This would allow bailiffs to collect goods from your home (such as TVs, computers or appliances) to be sold to pay your debts.

Non-priority debts include:

  • credit cards, bank loans or overdrafts
  • store card or catalogue payments
  • water bills.

Get specialist help

If you’re struggling to pay your rent, bills or debts, please contact us so we can offer you help and guidance. Depending on your situation, we may also put you in touch with our specialist debt advice partner StepChange. You could also speak to Citizens Advice for free and impartial guidance.

Contact us

StepChange: Free debt helpline

StepChange provides a free, debt helpline – no matter how large or small your debts. They'll look at your financial situation, give you expert debt advice and recommend debt solutions to suit your situation. They can also help you set up and support your chosen repayment solution.

Phone StepChange free on 0800 980 8270:

Monday 8am-8pm

Tuesday 8am-8pm

Wednesday 8am-8pm

Thursday 8am-8pm

Friday 8am-8pm

Saturday 8am-4pm

The StepChange website also has a range of advice including a self-help tool called Debt Remedy which can create a personalised debt action plan.

Go to StepChange

Take a 60-second debt test

Step Change also has a 60-second debt test that tells you if you could benefit from debt advice.

Tools for managing your money

Benefits calculator

Find out which benefits you can claim with our simple, online benefits calculator.

You’ll also be able to find out how much better off you’ll be in work.

It’s free to use, takes just a few minutes and is completely anonymous.

Benefits calculator


Budget planner

See how a budget plan can help you stay in control of your money.

The independent Money Advice Service has a really useful online budget planner. It can help you see what you can afford and how you might be able to save money.

It’s simple to complete and anyone can use it.

Go to Money Advice Service

If you want any help using the budget planner or our benefits calculator – or any other financial guidance – please contact our Clarion Futures Money Guidance team.

Contact us