St Leger Homes of Doncaster
Coping with debt
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Coping with debt

If you feel you are drowning in debt, struggling to pay bills and make ends meet, or just want to be able to manage your money better, you are not alone.

Sometimes you don't know what to do, but burying your head and ignoring the problem is not the answer.

It's an emergency. 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 here.

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.

Which debts should I pay back first?

Keeping a roof over your head is far more important than paying off a catalogue debt. It is important to understand the difference between 'priority' and 'non-priority' debts. Your biggest debt will not necessarily be the most important one to pay back first. Go to our 'Different types of debt' page  to find out more.

I can't afford to pay my rent, what should I do?

If you are having problems paying your rent, you must contact your local St. Leger Homes' office straight away for help and advice. If you stop paying your rent you could lose your home. Keeping a roof over your head is far more important than paying off loans.

Find out more about what you can do about rent arrears.

What do I do about a county court claim?

Find out what to do if you receive a county court claim on the GOV.UK website.

I'm worried about my energy bills, what should I do?

Please visit our Fuel Debts page for help and advice.

Bailiffs have called at my house – can they take my property?

The rules that apply to bailiffs are quite complicated and it is always best to ask for advice if bailiffs become involved.

You can find out more about bailiffs and debt collectors on the GOV.UK website.

I'm worried about my Council Tax.

Find out more about Council Tax arrears.

What options do I have if I cannot pay off my debts?

Options include bankrupcy, debt relief order and individual voluntary arrangements. Everyone's circumstances are different and there are different options to consider. Find out more on the GOV.UK website.

Should I take out one new loan to pay off all my debts?

This is also called 'consolidating' your debt, which can appear to make life easier but it could cause you more problems. Think very carefully before borrowing money to pay off bills or consolidating loans. Find out more about consolidating your debt on the Monet Advice Service website.

Where can I find more help and information

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

If you or someone you know suffers from mental health there is a dedicated guide to dealing with debt published by Money Saving Expert.com. The MoneySavingExpert.com Guide to Mental Health & Debt it can be down loaded here.

Where can I get help and advice locally?

Visit our advice and support page for debt, money, benefits and housing advice services in Doncaster.

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Contact

St Leger Court
White Rose Way
Doncaster
DN4 5ND
Tel: 01302 862862
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