Where to get help if you're in debt
With more than a third of people in the capital (35%) expecting to struggle or fall behind with their rent or mortgage in 2014, the charity Shelter is urging anyone worried about their housing costs to get help this month by visiting shelter.org.uk/advice.
SHELTER
How they can help:
They can help negotiate with your landlord or mortgage lender so you can pay off what you owe at an affordable rate.
They can also give advice on pay day loans and credit cards.
More than one million people a year come to the charity for advice via their website and telephone lines.
CONTACT DETAILS:
Phone: 0808 800 4444
Website: Shelter advice page
There are lots of other places that offer help and advice if you have money worries:
CITIZENS ADVICE BUREAU
How they can help:
The Citizens Advice Bureau provides free information and advice on many different legal and money problems.
They can offer face-to-face advice and provide translators if necessary.
CONTACT DETAILS
Walk in: You can go to your [local Citizens Advice Bureau ](http:// adviceguide.org.uk)Phone: 08444 111 444 (Calls cost 5p a minute from a BT landline)
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Website: The Citizens Advice Bureau website
NATIONAL DEBTLINE
How can they help:
They have a helpline that offers free confidential and independent advice on how to deal with debt problems.
On their website there is a personal budget section so you can work out the repayments you can afford.
You can also view an array of sample letters to write to your creditors.
And find out if you can qualify for a debt relief order.
CONTACT DETAILS:
Phone: 0808 808 4000
Website: Visit the National Debtline website
STEPCHANGE DEBT CHARITY
How they can help:
The website through online guides offers free, independent and impartial advice for people who have debt problems.
They can offer a quick assessment of your financial situation give you tailored debt advice.
It's anonymous, free of charge and available 24 hours a day.
The phone number is free from all mobiles.
CONTACT DETAILS
Phone: 0800 138 1111
Website: The StepChange Debt Charity