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If you’ve fallen behind on payments or are worried about money you owe, it can feel overwhelming. You’re not alone and there is support to help you get back on track. Taking that first step can make things feel more manageable.
What is debt?
Debt is when you owe money to someone else and need to pay it back. This could be a bank (like an overdraft or loan), a company (like a phone contract or rent) or even an individual.
How does debt happen?
Debt usually happens when you borrow money, buy something and pay later or miss payments you were supposed to make.
Is all debt bad?
Not necessarily. Some debt is quite normal, for example a student loan, an arranged overdraft or credit card can build your credit score. The key difference is whether you can manage the repayments comfortably.
When can debt become a problem?
Debt can start to feel difficult if you’re missing payments, you’re borrowing more to cover other debts, or it’s causing stress or worry.
When should I get help with debt?
It’s a good idea to seek support if you:
- have missed payments
- are struggling to keep up with repayments
- have defaulted on a loan
- feel worried about money you owe
The earlier you get advice, the more options you’re likely to have.
Where can I get free debt advice?
There are trusted organisations that offer free, confidential support:
They can explain your options, help you understand your situation and support you in creating a plan.
What does StepChange do?
StepChange is one of the main UK debt advice charities. They offer:
- online or phone advice
- personalised recommendations based on your situation
- practical debt solutions.
If you’re not sure where to start, you can try their quick debt test to get an idea of your options.
What if I feel nervous about reaching out?
That’s completely normal. If you’d prefer, you don’t have to do it alone, we can support you with the process. Our Advice Team can:
- sit with you while you contact a service
- help you prepare what to say
- talk through your next steps afterwards
Email advice@exeterguild.com or complete our enquiry form.
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