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Types of Debt

We can help with all debt and money problems, but these are some of the more
common issues we see. Find out more about the types of debt you might be 

Rent Arrears

In London – where rents are amongst the highest in the UK – thousands of people struggle to pay their landlords every month.

Council Tax

This is the most common type of debt we see. Last year, a third of those we helped had fallen behind with Council Tax payments.

Credit or Store Cards

It's easy to fall behind on your credit or store card payments. Last year, over a quarter of those we helped owed on their cards.

Utility Bills

No-one should have to go without heating or electricity at any time. Get help to repay your utility debt now before these vital services are cut off.

Benefit Overpayments

People are often paid too much benefit – either because their circumstances have changed, or due to a simple mistake, but paying this back can be far from easy.

How we'll help you


Whether start your journey to becoming debt free on the phone, or at one of our 55 locations across London, you'll follow a straightforward advice process giving you a clear picture of how to deal with your debts.

We’ll use the information you’ve given us on the phone or in your assessment form to establish the nature and urgency of your debt.

We’ll book you in for a face-to-face appointment at your nearest centre, or a telephone advice session if required, so we can give you a detailed analysis of the help available to you.

We’ll discuss your options and talk through the pros and cons of each.

We’ll establish the best possible solution and help you to resolve your debt – whether that’s by means of advocacy, representation, or by helping you write letters and supporting you throughout the process.

How we've helped others

Gwen & Vincent's Story

Gwen and Vincent contacted us after receiving a letter of court action. As parents to four children they were claiming Working Tax Credit and Child Tax Credit but they had been overpaid by £8,450.00 due to incorrect information on their initial claim form.

Shamiya’s Story

Shamiya found herself in receipt of a County Court action brought about by her utility company for arrears of over £2,000. The debt had escalated as Shamiya’s utility meter hadn’t been read for some time resulting in an unexpected bill that she couldn’t afford to pay.

Jasmine's Story

Jasmine came for debt advice in relation to an outstanding Major Work repairs debt carried out on her property. Jasmine, widowed and suffering from long term ill health, was harassed by her landlord who was demanding she pay the outstanding figure of over £3,000 in full and referred Jasmine’s debt to their solicitor to issue her with a forfeiture of her leasehold.