Help with Money and Debt

If you’re worried about money or have debts, there are people who can help you.

Start with a Budget

A budget helps you see what money you have and what you spend. You can use free tools online like:

• National Debt line Budget Tool
• Money Helper Budget Tool

Free Help with Debt

You can talk to someone for free and in private. These groups can help:

• National Debt line
• StepChange
• Christians Against Poverty
• Citizens Advice Tendring (for face-to-face help)
• Debt Free Advice (they also have videos on YouTube)

They can help you make a plan to deal with your debts. This might include special ways to manage debt like:

• Debt Management Plans
• Bankruptcy
• Individual Voluntary Arrangements (IVAs)

They’ll help you find the best option for you.

Check for Extra Money

You might be able to get benefits to help with your income.
For help, contact Tendring’s Fuel Poverty Officer:
📞 01255 686742
📧 fuelpoverty@tendringdc.gov.uk

What is “Breathing Space”?

If you’re finding it hard to pay your debts, you might be able to get 60 days of help. During this time:

• No extra fees or interest are added
• People you owe money to can’t chase you

This is called Breathing Space. It gives you time to get advice and sort things out.

You still need to make payments during this time. It won’t hurt your credit score directly, but missed payments will still show.

To apply, speak to:

• StepChange
• National Debt line

They’ll check if you can get Breathing Space and help you apply.