For free, impartial help with budgeting, bills and debt, contact MoneyHelper or Citizens Advice. If you need debt advice, charities such as StepChange and National Debtline can explain your options and help you make a plan. For investments, pensions or other regulated financial advice, check that the adviser is authorised by the FCA. Your options and any suitable solution will depend on your circumstances, so check the relevant guidance on GOV.UK and seek professional advice where needed.