There are many organisations both on a national and local level that offer debt advice and support. Trained advisors can review your income and expenditure and help with arranging repayment plans where necessary.
Some helpful organisations are as follows:
National Debtline - www.nationaldebtline.org
Money Helper - www.moneyhelper.org.uk/en
Debt Advice Foundation - www.debtadvicefoundation.org
Step Change - www.stepchange.org
