Free, confidential debt advice is available from Citizens Advice Manchester, StepChange, National Debtline and MoneyHelper. An adviser can help you list your debts, work out an affordable budget and explain options such as a repayment plan or Breathing Space, where you meet the relevant criteria. Prioritise rent or mortgage payments, council tax, energy bills and court fines, and contact creditors early rather than ignoring letters. PoundWise is an independent information site, so check your options with a recognised debt advice charity or regulated professional before making major decisions.