PoundWise Team: Start by contacting a free, independent debt charity such as StepChange, National Debtline or Citizens Advice, rather than paying a firm for help straight away. They can review your income, spending and debts, then explain options such as an affordable repayment plan or, where appropriate, Breathing Space. Speak to your card provider too, as it may offer support, although any arrangement will depend on your circumstances and its assessment. Avoid taking further credit to cover repayments, and check GOV.UK or MoneyHelper for guidance from an authorised debt adviser.