Start by listing your income, essential spending, debts, balances and missed payments, then avoid taking out further credit to cover shortfalls. Deal first with priority debts such as rent or mortgage arrears, council tax, energy bills and court fines, as the consequences of non-payment can be more serious. Free, confidential advice is available from organisations including StepChange, National Debtline and Citizens Advice; they can explain suitable options based on your circumstances. If you consider a paid debt-management service, check that the provider is FCA-authorised.