If you’re struggling with debt in Belfast, contact a free, independent service such as Advice NI, Citizens Advice or StepChange for a confidential review of your income, spending and debts. They can explain options such as a debt management plan, a Debt Relief Order or bankruptcy, although the right solution depends on your circumstances and Northern Ireland’s rules. Avoid taking further credit to cover essential payments, and prioritise rent or mortgage, energy bills and court fines. You can also check the official nidirect guidance, or speak to an FCA-authorised debt adviser before agreeing to a paid service.