{"id":4919,"date":"2024-11-06T13:22:12","date_gmt":"2024-11-06T12:22:12","guid":{"rendered":"https:\/\/citizensadvicecopeland.org.uk\/?page_id=4919"},"modified":"2025-11-14T12:28:44","modified_gmt":"2025-11-14T11:28:44","slug":"make-a-plan-to-deal-with-your-debts","status":"publish","type":"page","link":"https:\/\/citizensadvicecopeland.org.uk\/index.php\/make-a-plan-to-deal-with-your-debts\/","title":{"rendered":"Make a plan to deal with your debts"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4919\" class=\"elementor elementor-4919\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a72ba5e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a72ba5e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-498eef42\" data-id=\"498eef42\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b6b39db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b6b39db\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a4e2276\" data-id=\"7a4e2276\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4b5c7f51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b5c7f51\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51e9ddd3\" data-id=\"51e9ddd3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5db63792 elementor-widget elementor-widget-heading\" data-id=\"5db63792\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Money Confidence<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-656de99 hfe-nav-menu__align-left hfe-submenu-icon-arrow hfe-link-redirect-child hfe-nav-menu__breakpoint-tablet elementor-widget elementor-widget-navigation-menu\" data-id=\"656de99\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;padding_horizontal_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_horizontal_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;dropdown_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;dropdown_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;dropdown_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;padding_horizontal_dropdown_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_dropdown_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_dropdown_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"navigation-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"hfe-nav-menu hfe-layout-vertical hfe-nav-menu-layout vertical\" data-layout=\"vertical\">\n\t\t\t\t<div role=\"button\" class=\"hfe-nav-menu__toggle elementor-clickable\" tabindex=\"0\" aria-label=\"Menu Toggle\">\n\t\t\t\t\t<span class=\"screen-reader-text\">Menu<\/span>\n\t\t\t\t\t<div class=\"hfe-nav-menu-icon\">\n\t\t\t\t\t\t<i aria-hidden=\"true\"  class=\"fas fa-align-justify\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<nav class=\"hfe-nav-menu__layout-vertical hfe-nav-menu__submenu-arrow\" data-toggle-icon=\"&lt;i aria-hidden=&quot;true&quot; tabindex=&quot;0&quot; class=&quot;fas fa-align-justify&quot;&gt;&lt;\/i&gt;\" data-close-icon=\"&lt;i aria-hidden=&quot;true&quot; tabindex=&quot;0&quot; class=&quot;far fa-window-close&quot;&gt;&lt;\/i&gt;\" data-full-width=\"yes\">\n\t\t\t\t\t<ul id=\"menu-1-656de99\" class=\"hfe-nav-menu\"><li id=\"menu-item-701\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/save-money\/\" class = \"hfe-menu-item\">Save money<\/a><\/li>\n<li id=\"menu-item-700\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/cutting-down-on-bills\/\" class = \"hfe-menu-item\">Cutting down on bills<\/a><\/li>\n<li id=\"menu-item-699\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/increasing-your-income\/\" class = \"hfe-menu-item\">Increasing your income<\/a><\/li>\n<li id=\"menu-item-1981\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/energy-advice\/\" class = \"hfe-menu-item\">Energy Advice<\/a><\/li>\n<li id=\"menu-item-1958\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/money-confidence\/planning-for-christmas-2023\/\" class = \"hfe-menu-item\">Planning for Christmas<\/a><\/li>\n<li id=\"menu-item-2932\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/budgeting\/\" class = \"hfe-menu-item\">Budgeting<\/a><\/li>\n<li id=\"menu-item-2968\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/household-costs\/\" class = \"hfe-menu-item\">Household Costs<\/a><\/li>\n<li id=\"menu-item-4742\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/life-skills\/\" class = \"hfe-menu-item\">Life Skills<\/a><\/li>\n<li id=\"menu-item-5443\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/money-and-mind-hub\/\" class = \"hfe-menu-item\">Money and Mind Hub<\/a><\/li>\n<li id=\"menu-item-6327\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/money-confidence-resources\/\" class = \"hfe-menu-item\">Money Confidence Resources<\/a><\/li>\n<\/ul> \n\t\t\t\t<\/nav>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3af5d349 elementor-widget elementor-widget-heading\" data-id=\"3af5d349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Select advice topic<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f2c60d2 hfe-nav-menu__align-left hfe-submenu-icon-arrow hfe-link-redirect-child hfe-nav-menu__breakpoint-tablet elementor-widget elementor-widget-navigation-menu\" data-id=\"2f2c60d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;padding_horizontal_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_horizontal_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;dropdown_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;dropdown_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;dropdown_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;padding_horizontal_dropdown_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_dropdown_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_dropdown_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"navigation-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"hfe-nav-menu hfe-layout-vertical hfe-nav-menu-layout vertical\" data-layout=\"vertical\">\n\t\t\t\t<div role=\"button\" class=\"hfe-nav-menu__toggle elementor-clickable\" tabindex=\"0\" aria-label=\"Menu Toggle\">\n\t\t\t\t\t<span class=\"screen-reader-text\">Menu<\/span>\n\t\t\t\t\t<div class=\"hfe-nav-menu-icon\">\n\t\t\t\t\t\t<i aria-hidden=\"true\"  class=\"fas fa-align-justify\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<nav class=\"hfe-nav-menu__layout-vertical hfe-nav-menu__submenu-arrow\" data-toggle-icon=\"&lt;i aria-hidden=&quot;true&quot; tabindex=&quot;0&quot; class=&quot;fas fa-align-justify&quot;&gt;&lt;\/i&gt;\" data-close-icon=\"&lt;i aria-hidden=&quot;true&quot; tabindex=&quot;0&quot; class=&quot;far fa-window-close&quot;&gt;&lt;\/i&gt;\" data-full-width=\"yes\">\n\t\t\t\t\t<ul id=\"menu-1-2f2c60d2\" class=\"hfe-nav-menu\"><li id=\"menu-item-627\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/benefits\/\" class = \"hfe-menu-item\">Benefits<\/a><\/li>\n<li id=\"menu-item-626\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/debt-and-money\/\" class = \"hfe-menu-item\">Debt and money<\/a><\/li>\n<li id=\"menu-item-623\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/gambling\/\" class = \"hfe-menu-item\">Gambling<\/a><\/li>\n<li id=\"menu-item-3890\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/scams-2\/\" class = \"hfe-menu-item\">Scams<\/a><\/li>\n<li id=\"menu-item-625\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/employment-advice\/\" class = \"hfe-menu-item\">Employment Advice<\/a><\/li>\n<li id=\"menu-item-1998\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/energy-advice\/\" class = \"hfe-menu-item\">Energy Advice<\/a><\/li>\n<li id=\"menu-item-622\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/housing\/\" class = \"hfe-menu-item\">Housing<\/a><\/li>\n<li id=\"menu-item-621\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/food-vouchers\/\" class = \"hfe-menu-item\">Food Vouchers<\/a><\/li>\n<li id=\"menu-item-2298\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/other-sources-of-help\/\" class = \"hfe-menu-item\">Other sources of help<\/a><\/li>\n<\/ul> \n\t\t\t\t<\/nav>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7299819c\" data-id=\"7299819c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c08bc88 elementor-widget elementor-widget-image\" data-id=\"4c08bc88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2024\/11\/Make-a-plan-to-deal-with-your-debts.png\" title=\"Make a plan to deal with your debts\" alt=\"Make a plan to deal with your debts\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26854f8e elementor-widget elementor-widget-text-editor\" data-id=\"26854f8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You should deal with the most important debts first &#8211; these are called \u2018priority debts\u2019.<\/p><p>Priority debts mean you could lose your home, have your energy supply cut off, lose essential goods or go to prison if you don\u2019t pay.<\/p><p><strong>They include things like:<\/strong><\/p><ul><li>rent and mortgage<\/li><li>gas and electricity<\/li><li>council tax<\/li><li>court fines<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31753f71 elementor-widget elementor-widget-heading\" data-id=\"31753f71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Check if you have any priority debts before dealing with your credit debts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9a2353 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2e9a2353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re struggling to pay debts like credit cards, store cards or payday loans you can ask to make lower monthly repayments. Paying less than it says you have to in your contract might make it harder for you to get credit in the future.<\/p><p><strong>You should normally only ask to make lower payments for non-priority debts. These include:<\/strong><\/p><ul><li>credit card and store card debts<\/li><li>payday loans and other unsecured personal loans<\/li><li>catalogue debts<\/li><li>overdrafts<\/li><\/ul><p>You\u2019ll need to contact the people or organisations you owe money to &#8211; these are your \u2018creditors\u2019. Write to your creditors to tell them you\u2019re trying to sort out your debts. Ask them to:<\/p><ul><li>stop asking you for payments while you work out what to do<\/li><li>stop adding interest and charges so the debt doesn\u2019t get any bigger<\/li><\/ul><p>We have template letter you can use.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5169548d elementor-widget elementor-widget-heading\" data-id=\"5169548d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Work out what you can afford to pay<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72aafc7a elementor-widget elementor-widget-text-editor\" data-id=\"72aafc7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Work out a budget so you know how much you have left each month after paying your essential bills and priority debts. This is called \u2018available income\u2019.<\/p><p>Make sure you save a copy of your budget &#8211; you\u2019ll need to refer to this later. You\u2019ll also need to send a copy to your creditors when you ask to make lower payments. It will show them that what you\u2019re offering to pay is fair.<\/p><p><strong>Try and be as accurate as you can. Before you start, find your most recent:<\/strong><\/p><ul><li>bank statements<\/li><li>payslips<\/li><li>debit and credit card statements and bills<\/li><li>receipts for things you pay for in cash<\/li><\/ul><p>Use a budgeting tool to work out your budget. You\u2019ll create a \u2018financial statement\u2019 &#8211; your creditor will know what this is.<\/p><p>If you need help working out a budget talk to an adviser and if you haven\u2019t already, check if you can increase your income.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-441f49f8 elementor-widget elementor-widget-image\" data-id=\"441f49f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2024\/11\/Money-and-mind-hub-photo-4.png\" title=\"Money and mind hub photo 4\" alt=\"Money and mind hub photo 4\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49881b17 elementor-widget elementor-widget-heading\" data-id=\"49881b17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">If you can\u2019t pay your non-priority debts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4784f61e elementor-widget elementor-widget-text-editor\" data-id=\"4784f61e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Write to your creditors if you\u2019ve no money left each month after paying your essential bills and priority debts. Explain that you\u2019re dealing with your debts and ask them to freeze interest and charges while you do this. This means that your debts won\u2019t increase.<\/p><p>You can use our sample letter. You should also send a copy of your financial statement.<\/p><p>One of our team can help you look at other ways of paying off your debts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e5f5c6f elementor-widget elementor-widget-heading\" data-id=\"6e5f5c6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Work out how much to pay each creditor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-811de5a elementor-widget elementor-widget-text-editor\" data-id=\"811de5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Check the \u2018non-priority debt\u2019 section of your financial statement. It will tell you how much to offer each creditor.<\/p><p>The amount each creditor gets depends on how much you owe &#8211; this is known as a \u2018pro rata\u2019 offer. It\u2019s a way of treating all your creditors equally. You must do this or they might refuse your offers.<\/p><p><strong>Example<\/strong><\/p><p><em>You\u2019ve got 2 debts &#8211; a credit card and a store card.<\/em><\/p><p><em>You owe twice as much on the credit card as you do on the store card, so your offer to the credit card company should be twice as much.<\/em><\/p><p><em>You have \u00a390 left each month to pay off your debts.<\/em><\/p><p><div class=\"wptb-container-legacy\" data-table-id=\"4924\">\n    <table class=\"wptb-preview-table wptb-element-main-table_setting-237\" style=\"border: 1px solid rgb(0, 72, 132); border-spacing: 3px 3px; \" data-reconstraction=\"1\" data-wptb-cells-width-auto-count=\"3\" data-wptb-horizontal-scroll-status=\"false\" data-wptb-extra-styles=\"LyogRW50ZXIgeW91ciBjdXN0b20gQ1NTIHJ1bGVzIGhlcmUgKi8=\" data-wptb-pro-pagination-top-row-header=\"false\" data-wptb-rows-per-page=\"10\" data-wptb-pro-search-top-row-header=\"false\" data-wptb-searchbar-position=\"left\" role=\"table\" data-wptb-table-alignment=\"center\" data-wptb-td-width-auto=\"120\" data-wptb-table-tds-sum-max-width=\"392.133332\" data-wptb-header-background-color=\"#004884FF\" ><tbody data-global-font-color=\"#000000\" data-global-link-color=\"#000000\" data-global-font-size=\"15\" ><tr  class=\"wptb-row \" style=\"background-color: rgb(0, 72, 132); \"><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"0\" data-x-index=\"0\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-597\" style=\"color: rgb(255, 255, 255); font-size: 18px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\"><strong>Creditor<\/strong><\/p><\/div><\/div><\/td><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"0\" data-x-index=\"1\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-598\" style=\"color: rgb(255, 255, 255); font-size: 18px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\"><strong>Total Debt<\/strong><\/p><\/div><\/div><\/td><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"0\" data-x-index=\"2\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-599\" style=\"color: rgb(255, 255, 255); font-size: 18px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\"><strong>Your offer<\/strong><\/p><\/div><\/div><\/td><\/tr><tr  class=\"wptb-row \" style=\"\"><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"1\" data-x-index=\"0\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-600\" style=\"color: rgb(0, 72, 132); font-size: 15px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\">Credit card<\/p><\/div><\/div><\/td><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"1\" data-x-index=\"1\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-601\" style=\"color: rgb(0, 72, 132); font-size: 15px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\">\u00a32,000<\/p><\/div><\/div><\/td><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"1\" data-x-index=\"2\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-602\" style=\"color: rgb(0, 72, 132); font-size: 15px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\">\u00a360 a month<\/p><\/div><\/div><\/td><\/tr><tr  class=\"wptb-row \" style=\"\"><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"2\" data-x-index=\"0\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-603\" style=\"color: rgb(0, 72, 132); font-size: 15px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\">Store card<\/p><\/div><\/div><\/td><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"2\" data-x-index=\"1\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-604\" style=\"color: rgb(0, 72, 132); font-size: 15px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\">\u00a31,000<\/p><\/div><\/div><\/td><td class=\"wptb-cell \" style=\"border: 1px solid rgb(0, 72, 132); \" data-y-index=\"2\" data-x-index=\"2\" data-wptb-css-td-auto-width=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-605\" style=\"color: rgb(0, 72, 132); font-size: 15px; \"><div style=\"position: relative;\"><p style=\"text-align: center\" data-mce-style=\"text-align: center;\">\u00a330 a month<\/p><\/div><\/div><\/td><\/tr><\/tbody><\/table>\n<\/div>\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aeecc0f elementor-widget elementor-widget-heading\" data-id=\"4aeecc0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Write to your creditors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62c46771 elementor-widget elementor-widget-text-editor\" data-id=\"62c46771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Write to each creditor with your repayment offer and include a copy of your budget. This will show creditors you\u2019re only spending money on essential living costs and that the offer you\u2019re making is fair.<\/p><p><strong>Make sure you:<\/strong><\/p><ul><li>explain why you\u2019re in debt &#8211; for example, because you\u2019ve lost your job<\/li><li>say that you\u2019re sorting out the situation<\/li><li>explain how much you can afford to pay each week or month<\/li><li>ask them to freeze any interest and charges as long as you continue to pay the amounts you\u2019re suggesting<\/li><\/ul><p>Use our sample letter to write to your creditors with your offers. Make sure you keep a copy of everything you send.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ffac9 elementor-widget elementor-widget-heading\" data-id=\"e1ffac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Stay in touch with your creditors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1af35bf elementor-widget elementor-widget-text-editor\" data-id=\"1af35bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You\u2019re responsible for making the agreed repayments and for keeping your creditors up to date about your circumstances.<\/p><p>You should contact your creditors every few months to let them know your circumstances haven\u2019t changed. This will show them you\u2019re serious about dealing with your debt.<\/p><p>Your creditors can still take court action against you after you\u2019ve agreed a repayment plan. Find out what to do if a creditor takes you to court for debt.<\/p><p>Even if you\u2019ve agreed repayments with your creditors, there might be other ways you could deal with your debts. Check your options for getting out of debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8527f90 elementor-widget elementor-widget-heading\" data-id=\"8527f90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get help with your debts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f13c943 elementor-widget elementor-widget-text-editor\" data-id=\"f13c943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a title=\"Contact Us\" href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/contact-us\/\"><strong>Contact us\u00a0<\/strong><\/a><\/p><p><a href=\"http:\/\/www.nationaldebtline.co.uk\"><b>National Debtline<\/b><\/a><\/p><p><span style=\"font-weight: 400;\">National Debtline provides free information and advice to people living in England, Wales <\/span><span style=\"font-weight: 400;\">and Scotland. It also provides an information pack on dealing with debt.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>Telephone: 0808 808 4000 or webchat with an adviser<\/strong><br \/><\/span><span style=\"font-weight: 400;\">Monday to Friday, 9am to 9pm and on Saturday, 9.30am to 1pm<\/span><\/p><p><a href=\"http:\/\/www.stepchange.org\"><b>Stepchange<\/b><\/a><\/p><p><span style=\"font-weight: 400;\">StepChange Debt Charity offers free, confidential advice and support to anyone who is worried about debt. They can also set up plans to help you pay off your debts within a reasonable timeframe if that is the best option for you.<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>Telephone: 0800 138 1111 or webchat with an adviser<\/strong> <br \/><\/span><span style=\"font-weight: 400;\">Monday to Friday, 8am to 8 pm and Saturday 9am to 2pm (webchat 9am to 2pm)<\/span><\/p><p><a href=\"http:\/\/www.payplan.com\"><b>Payplan<\/b><\/a><\/p><p><span style=\"font-weight: 400;\">PayPlan offers free debt advice and solutions to clients. \u00a0 They can also set up plans to help you pay off your debts within a reasonable timeframe if that is the best option for you<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>Telephone: 0800 716 239 or web chat with an adviser<\/strong><br \/><\/span><span style=\"font-weight: 400;\">Monday to Friday, 8am to 8pm and on Saturday 9am to 3pm<\/span><\/p><p><a href=\"https:\/\/www.moneyadvicetrust.org\/advice-services\/business-debtline\"><b>Money Advice Trust Business Debt line<\/b><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39991e71 elementor-widget elementor-widget-button\" data-id=\"39991e71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2025\/03\/Worried-about.-debt-part-4.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the factsheet here!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13b715a3 elementor-widget elementor-widget-image\" data-id=\"13b715a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2024\/10\/Copy-of-project-funder-logos-1.png\" title=\"Copy of project funder logos (1)\" alt=\"Copy of project funder logos (1)\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23e28a2 elementor-widget elementor-widget-text-editor\" data-id=\"23e28a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Please see our&nbsp;<a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/contact-us\/\">Contact Us<\/a>&nbsp;page for details on how to access our help.<\/strong><\/h5>\n<h5><strong>You can access help on the&nbsp;<a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/\">Citizens Advice National website.<\/a><\/strong><\/h5>\n<h5><strong>There are also lots of&nbsp;<a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/other-sources-of-help\/\">other sources of help<\/a>&nbsp;available locally.<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Money Confidence Menu Save money Cutting down on bills Increasing your income Energy Advice Planning for Christmas Budgeting Household Costs Life Skills Money and Mind Hub Money Confidence Resources Select advice topic Menu Benefits Debt and money Gambling Scams Employment Advice Energy Advice Housing Food Vouchers Other sources of help You should deal with the &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/make-a-plan-to-deal-with-your-debts\/\"> <span class=\"screen-reader-text\">Make a plan to deal with your debts<\/span> Read More 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