Debt help means getting support to understand what you owe, prioritise essential bills and find an affordable way forward. Free, confidential guidance is available from organisations such as StepChange, National Debtline and Citizens Advice, which can explain options including repayment plans and other formal solutions. Do not ignore priority debts such as rent or mortgage payments, council tax, energy bills and court fines, as they can have serious consequences. A debt adviser can assess your circumstances, and you can also check GOV.UK for information about options such as Breathing Space.