Most people will borrow money at some time in their lives. Debt only becomes a problem when you cannot pay it back.
People get into debt for all sorts of reasons, for example, losing a job, taking on a caring role, becoming pregnant, separating from a partner or becoming ill or disabled.
If you have borrowed more money than you can repay, or you have built up rent or fuel bills that you are struggling to pay, then you must take steps to sort things out.
Don't bury your head in the sand
The longer you ignore debt, the worse it will get. Help and support is available and you will be able to take control of your finances again and look positively towards the future.
Take control today
Go to our 'Coping with debt' page to find more information and links to easy-to-understand help and advice about managing debt problems.
You can also compare different ways of 'borrowing money' and find out how to cope financially with 'changes' in your life.
For free, money advice, to help you make the most of your money, visit the Money Advice Service website, or call 0300 500 5000.
My creditors are threatening me with serious action, what can I do?
It is best to get some advice straight away, for example, from your local Citizens Advice Bureau. You can find your nearest bureau by visiting the Citizens Advice Bureau.
For free information and advice about debt, visit the StepChange website or call 0800 138 111.
Alternatively you can visit the National Debtline website or call 0808 808 4000.
You can also visit the 'Managing Debt' section of the GOV.UK website to find out more about coping with debt.
Where can I get help and advice locally?
Visit our advice and support page for debt, money, benefits and housing advice services in Doncaster.