Start by listing what you owe, your income and essential spending, then identify priority debts such as rent, mortgage, council tax and energy bills. Contact a free, impartial debt charity such as StepChange, National Debtline or Citizens Advice for help reviewing your options and creating an affordable plan. Avoid taking out more credit to cover repayments unless a regulated adviser confirms it is suitable for your circumstances. You can also check the official GOV.UK guidance on debt solutions, including whether Breathing Space may be available.