04/11/2026
Struggling with debt?
Act early this – reaching out for help can prevent the situation from getting worse.
With household costs rising and budgets being squeezed, you may be finding it difficult to keep up with debt repayments.
Nearly half of people struggle to keep up with their financial commitments, are falling behind or have already fallen behind (UK MoneyView 2026).
Asking for help can feel difficult, but contacting a free debt-advice organisation early may give you more options and help you avoid further action from creditors.
Take a first positive step: make a list of all your debts, how much you owe and your monthly repayments.
Then contact an organisation that offers free, impartial debt advice. An adviser can help you understand your options and decide what to do next.
See the links in our comments for
National Debtline: free debt advice and support
StepChange: free expert debt help and advice
Citizens Advice West Suffolk: free, confidential and independent advice
Borrow safely: avoid loan sharks. Before using Buy Now, Pay Later or any other credit, check the total cost, repayment dates and what could happen if you miss a payment.
All borrowing has a cost, so make sure the repayments are affordable before you commit.
For a safe, ethical community alternative, explore savings and affordable loans from Eastern Savings and Loans Credit Union,
(link is in our comments) which serves Suffolk and the wider East of England.
For impartial information, read MoneyHelper guidance on borrowing from a credit union. (link is in our comments)