If money worries are keeping you awake, you are not alone - and you do not have to guess your way through it. One of the best starting points is National Debtline, a free, confidential debt advice service with clear, practical guidance.

What is National Debtline?

National Debtline helps people in England and Wales deal with debts like credit cards, loans, overdrafts, rent arrears, council tax, energy bills and more. They explain your options in plain English, with template letters and step-by-step guides you can use straight away.

To get started, head to their official website: https://www.nationaldebtline.org/EW/Pages/default.aspx

Simple first steps (before you make any big decisions)

• Do not ignore letters - put everything in one place so you can see what is urgent.
• List your debts and note who you owe, how much, and any reference numbers.
• Work out what you have coming in and what has to go out (rent/mortgage, food, travel, energy).
• If you are being chased, ask creditors to pause while you get advice - National Debtline has guidance and sample letters.

Local essentials: council tax, housing, and benefits

If your debt involves council tax or housing costs, it is worth checking your options and support locally too:

• Stafford Borough Council (council tax and housing): https://www.staffordbc.gov.uk/
• Staffordshire County Council (wider support and services): https://www.staffordshire.gov.uk/
• Gnosall Parish Council (local signposting and community info): https://gnosallparishcouncil.gov.uk/
• Check benefits and get signposted to other help via GOV.UK: https://www.gov.uk/benefits-calculators

When to get help urgently

Get advice as soon as possible if any of these apply:

• You have bailiff enforcement letters or a court claim form
• You are behind on rent or mortgage
• Your energy supply is at risk, or you cannot afford essentials

National Debtline explains what to do and what your rights are - start here: National Debtline (England and Wales)