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January is usually a busy time for us at Citizens Advice Wiltshire. We’re expecting at least a dozen people to seek advice for debt concerns each and every day this month.final notice inclusiveplum web

This will also be the same for local Citizens Advice across the country. Over the past three years one person sought help from Citizens Advice every 10 seconds on our busiest days for debt advice, including council tax arrears, rent arrears, credit card debt, and utility bill debt for water, gas and electric.

What to do if you’d like to sort out your debts

We offer free and independent advice and support to help you deal with your debts and get back on your feet.

To get you started here’s our top six tips to help you to sort out your debts:

  1. Work out how much you owe - Make a list of whom you owe money to and add up how much you need to pay each month. If you don’t have your most recent statements, contact your creditor to find out what you owe. Read more on collecting information about your debts.

  2. Prioritise your debts - Your rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you don’t pay them. These should always be paid first. Separate these and work out how much you owe. More information to help you work out which debts to pay first.

  3. Work out how much you can pay - Create a budget by adding up your essential living costs, such as food and housing, and taking these away from your income. Any money you have spare can be put towards your debts. Citizens Advice budgeting tool can help.

  4. Paying urgent debts - You might have to contact priority creditors quickly in urgent situations, like if you are about to be evicted. Tell them you're seeking debt advice so you can find a way forward. You could try to pay them something if you can afford to.

  5. Paying non-urgent debts - If you have any money left after paying priority debts, consider getting a free debt-management plan. You’ll make one monthly payment to the plan provider, who will handle paying your creditors. Or contact your creditors and offer them what you can afford to pay.

  6. If you can’t pay your debts - If you’ve got little or no money spare to pay your priority debts seek advice from us straight away. There are lots of ways to get advice from us:

Call us on 03444 111 444 (lines are open 9am to 5pm Monday to Friday),
or drop into your local Citizens Advice office. Details of your nearest office and opening times can be found here, or email us

 You can also find further information and advice on dealing with debt and managing money on the Citizens Advice website

Published 10 January 2020


Further articles, advice and information you may find useful:


 

Citizens Advice Wiltshire

Service update notice: 17 March 2020
Last reviewed: Monday 14 September 2020 at 3pm

Our drop in service has been temporarily suspended until further notice, due to the coronavirus outbreak.

For the time being we are operating a telephone and email only service. Read more

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Opening times and where to find us
Calne
The Library, The Strand, Calne SN11 0JU
Monday - 10am to 3pm 
Closed on bank holidays 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Chippenham
3 Avon Reach, Monkton Hill
Chippenham SN15 1EE
Monday, Tuesday and Friday - 10am to 3pm
Closed on bank holidays 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Devizes
New Park Street, Devizes SN10 1DY
Monday and Thursday - 10am to 3pm
Closed on bank holidays 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Melksham
Town Hall, Market Place
Melksham SN12 6ES
Friday - 10am to 3pm 
Closed on bank holidays 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Royal Wootton Bassett
The Library, Borough Fields, 
Royal Wootton Bassett SN4 7AX
Wednesday - 10am to 3pm 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Salisbury
Five Rivers Health & Wellbeing Centre,
Hulse Road, Salisbury SP1 3NR 
Monday, Tuesday and Thursday - 10am to 3pm
Closed on bank holidays 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Tidworth
The Community Centre, Wylye Road
Tidworth SP9 7QQ
Wednesday - 10am to 3pm 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Trowbridge
1 Mill Street,
Trowbridge BA14 8BE
Monday, Wednesday & Thursday - 10am to 3pm
Closed on bank holidays 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service.
Warminster
The Library, Three Horseshoes Walk,
Warminster BA12 9BT
Tuesday - 10am to 3pm 
As a precaution, our 'drop in' service has been temporarily suspended until further notice. For now, we are operating a telephone and email advice only service. 

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