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Debt

In debt? Find help available through benefits, grants and debt advice services.

Benefits

To check what benefits you might be entitled to quickly and easily, you can use the Turn2us Benefits Calculator

Grants

Debts

Most charitable funds do not settle debts. The small number that do, in certain circumstances, will generally only consider priority debts - such as mortgages, rent, energy bills, court costs and tax.

Debt solutions: Debt Relief Orders (DROs) or Bankruptcy Fees

If you are looking for help with the cost of Debt Relief Orders (DROs) or bankruptcy fees, help may be available to you from some charitable funds, if you meet the qualifying rules (eligibility criteria) for their help.

Where a charitable fund might give help towards the cost of DROs or bankruptcy fees, they will only consider this if you have received debt advice from a recognised debt advice agency (see Advice and Support below) and have considered all the options available to you.

Debt advice services from charitable funds

Some charitable funds listed on our Grants Search also provide debt advice services.

Use our Grants Search

To find out what help may be available from charitable funds, you can use the Turn2us Grants Search

Our Grants Search does not tag charitable fund schemes by 'debt', 'rent arrears',  "Debt Relief Orders", "DROs", "Bankruptcy" or "Bankruptcy fees".

To find charitable funds that may be able to help you, you need to search on all aspects of your circumstances that may be relevant – e.g. occupation (remember to think about the industries you have worked in as well as the jobs you have had), health conditions, nationality – using the filters of the Grants Search.

Once you have a list of charitable funds based on your search, check the profiles for information on who they help and what they help with.

Some charities give grants according to individual need. If the profile doesn’t specifically state that the charity doesn’t give grants for bankruptcy fees, it may be worth contacting any charities that match your circumstances and background to ask if they can help.

Breathing Space (Debt Relief Scheme)

England and Wales

Breathing Space, officially called the Debt Respite Scheme, is a government scheme which could help relieve some of the pressure and stress caused by being in debt. 

The Breathing Space scheme is available in England and Wales from 4 May 2021.

Scotland

Scotland has a scheme called the Debt Arrangement Scheme which has different benefits and rules.

Northern Ireland

We are checking what schemes are available in Northern Ireland. For general debt advice, see the Advice and Support section below.

Advice and Support

If you are worried about debt, it is important that you seek advice from a debt advice charity or service. Some sources of debt advice and/or information are listed below.

You may also find it helpful to read the Guest blog Money Advice Trust have written about their debt guide (May 2019).

UK

Tax debt advice for people on low incomes

Economic Abuse

Tools and/or information

England and Wales

Advice

Information

Northern Ireland

Scotland

Advice

Information

Turn2us Find an Adviser tool

You can also use the Find an Adviser tool to find local advisers who will be able to look at your specific circumstances and provide advice.

Updated: April 2021

 

Grants Search

Search our database of grant-giving organisations

Search for grants

Breathing Space Scheme

A government scheme to help relieve some of the pressure caused by being in debt.

Breathing Space - England and Wales Debt Arrangement Scheme - Scotland
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