If you find yourself in arrears do not ignore the problem and try not to panic. You should contact us immediately and we will work with you to find an affordable solution.

Help can be given in many ways such as maximising your income and benefits or looking at managing your income and expenditure. If we help you to look at your income and expenditure we will start by completing this online benefit and budget calculator with you.

Alternatively one of the following organisations may be able to help you:

Citizens' Advice Bureau

Your local bureau is situated at Dix’s Field, EX1 1QA, Exeter Tel 0808 278 7845 ( Monday to Friday 10am to 4pm) or visit www.citizensadviceexeter.org.uk

The National Debtline

Offers free confidential and independent advice on how to deal with debt problems. Call free on 0808 808 4000 or visit www.nationaldebtline.org

Step Change Debt Agency

A leading debt charity which helps over 1,000 people a day with their debt problems. Their services include: free debt advice, debt management plans, budgeting help and Individual Voluntary Arrangement (IVA) advice. Call free on 0800 1381111 or visit www.stepchange.org

Payplan

Offers free debt management plans and free debt advice. Call free on 0800 2802816 or visit www.payplan.com

Money Helper

This is a not for profit government organisation created solely to help people with their finances.  To contact them call 0300 500 5000 or visit https://www.moneyhelper.org.uk