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Debt and Money Advice in West Sussex

More people than ever before are getting into debt or finding it difficult to live on the money they earn or receive. We can help if you are struggling with debt and money issues.

Dealing with money issues can sometimes be very stressful and it is sometimes easy to put off dealing with them. If you are confused about things like credit charges, or which bills you should pay first, you could end up losing out financially or getting yourself in a cycle of debt which is difficult to break.

 

If you need more time: Breathing Space

If you’re not ready to use a debt solution or you can’t afford to right now, the government-backed Breathing Space scheme could give you extra time. This was introduced on May 4th 2021.

If you’re eligible, you could get 60 days of breathing space where your creditors can’t:

  • contact you
  • take action to make you pay
  • add interest and charges to your debt

It covers most debts, including credit and store cards, loans, overdrafts and arrears on household bills.
You’ll need to get advice from a debt adviser first
– they’ll check all your debts to see if they’re covered.

Please click here to contact our advice team, or phone 0808 278 7969 (Monday to Friday, 9.00am to 4.30pm).

Face-to-face appointments are available. 

 

We will look at your situation and explain your options when dealing with debt. We aim to help you manage your own problems by identifying options for you.

As part of our process…

Money

We’ll assess your whole financial situation, check your benefit entitlement and give you budgeting advice if needed.

Emergency help

We’ll help you to deal with any emergencies, such as bailiff action, the threat of eviction or disconnection, court hearings or any other issues needing urgent attention.

Prioritise

We’ll advise you which payments to prioritise and help you to deal with priority debts such as arrears of rent, mortgage, council tax or fuel bills.

Options

We’ll explain all the options available for dealing with your debts.

You can contact us on Adviceline or visit us at your local advice centre to request an appointment.

Quick Hints & Tips

When you have debts and they are piling up…

  1. Don’t panic, there are always options and strategies to deal with them. Get some help from us.
  2. We can help you look at your essential expenditure and your income to see what savings you can make, and claim any benefits that you are entitled to – we have tools to help you with this.
  3. We will help you look at prioritising which repayments are essential.
  4. Debts referred to as priority debts include rent/mortgage, council tax, utility bills – these need to be paid first. We can help you to budget, for example by putting together a monthly expenditure sheet.
  5. Get in touch with us to get expert, friendly help.

Find out more about volunteering

“Citizens Advice helped me through my own debt problems, and now I’m glad I can share this help with others as a trained volunteer.”

Crawley Communities Money AdviceLatest news

3rd March 2021

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