Credit crunch pressure
The credit crunch is affecting us all. For some families it means stricter spending, but for others it means trouble making payments or the potential loss of their business and livelihood. There are a number of ways the council and council- or government-supported organisations can help you through the rough patch.
Help for you to keep your home
If your circumstances change, for example you work fewer hours, receive a cut in pay or face redundancy it can make it difficult to keep up with your rent or mortgage payments.
For help and advice on your mortgage or rented home, visit our housing section.
Facing difficulties with mortgage payments?
The government provides a guide to the legal process of repossession, including what your mortgage lender must do, repossession hearings, possession orders and help with legal costs
Local business and employment
Worried about facing redundancy? We have produced a booklet to give details of key sources of available advice on issues such as employment rights and money worries.
You might also consider self-employment. GOV.UK gives advice on setting up a business.
Apply for benefit or discounts
If you’re struggling to meet your rent or council tax payments, you may be eligible for housing or council tax benefit.
Come along to one of our benefit advice surgeries for more information or help completing a claim form.
Council Tax - discounts, relief and exemptions. Find out whether you qualify for a discount on your Council Tax.
Budgeting, finance and debt management advice
Options for paying off your debts. If you're in debt and you are finding it hard to cope, it's important to deal with the problem straight away - the longer you ignore your debts, the worse the situation becomes.
Useful court claims, debt and bankruptcy information from GOV.UK.
National Debtline. For a free self-help pack on tackling debt and information on working out a personal budget contact National Debtline on 0808 808 4000.
Debt Advice Foundation - a registered national debt advice charity offering free, impartial support and advice to anyone worried about debt.
Last reviewed: 22 - 10 - 2012