Free, confidential debt advice is available from Citizens Advice Bristol, StepChange and National Debtline, whether you live in Bristol or the surrounding area. Start by listing your debts, income and essential spending, then contact an adviser before taking out more credit or ignoring letters. They can explain options such as affordable repayment arrangements, debt management plans or, where appropriate, applying for Breathing Space through an approved debt adviser. Check the latest eligibility details on GOV.UK, and use an FCA-authorised provider or a recognised charity rather than paying an unregulated firm.