Debt help is practical support for understanding what you owe, managing your budget and deciding how to deal with creditors. A free debt adviser can help you prioritise essential bills and explain options such as a debt management plan, Breathing Space, a Debt Relief Order, an IVA or bankruptcy. StepChange, National Debtline and Citizens Advice offer free guidance, although the most suitable option depends on your circumstances. You can also check the relevant information on GOV.UK and use an FCA-authorised provider if you are considering paid advice.