1. Citizens Advice Bureau (CAB): CAB is a network of independent charities that offer free, confidential advice on a range of issues, including debt and money management. They can help you create a budget, negotiate with creditors, and explore options for repaying your debts.
2. StepChange Debt Charity: StepChange is a debt advice charity that offers free, confidential support to people struggling with debt. They can help you create a budget, negotiate with creditors, and arrange a Debt Management Plan (DMP), which allows you to repay your debts at a reduced interest rate over a period of time.
3. National Debtline: National Debtline is a debt counselling service operated by the Money Advice Trust, a charity that offers free, confidential debt advice. They can help you create a budget, negotiate with creditors, and explore options for repaying your debts.
4. Christians Against Poverty (CAP): CAP is a charity that offers free debt advice and support to people in the UK who are struggling financially. They can help you create a budget, negotiate with creditors, and arrange a Debt Relief Order (DRO), which can write off some or all of your debts if you meet certain criteria.
5. The Money and Mental Health Policy Institute: This charity provides information and resources on the relationship between money and mental health. They can offer guidance on how to manage your finances if you are struggling with a mental health condition.