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Debt advice

Debt advice - how we can help

Are you worried about debt or experiencing financial difficulties? Our Team has experienced debt advisers who can help.

Our debt advice service is free, confidential, and available to all North Lanarkshire residents. The advice provided is impartial and non-judgemental with privacy and data protection guidelines always followed.

You can now make a request for debt advice using our simple online form, at a time that suits you. 

You will need a Myaccount to access the new online form. If you do not have one, you can register for one here Myaccount.

We can help you take the first steps to gain control of your finances by giving you advice on reducing outgoings and maximising your income.

We can offer advice and assistance with all debt matters, including negotiating with creditors on your behalf.   

Rent and mortgage

If you have been threatened with eviction, or if your home is being repossessed, please contact us.

Gas or electricity arrears

Due to rising energy costs, you may be experiencing increasing utility bills that you are struggling to pay or be struggling to heat your home.

Many energy companies offer grants you can apply for to help towards gas or electric arrears that you are struggling to repay.

We can help you to apply and can offer advice if you have utility arrears.


If you are struggling to meet repayments towards debts including credit cards, council tax arrears, personal loans, bank overdrafts etc, we can help. We offer advice on what actions creditors can and cannot take as well as discussing options available to you.

This could include:

  • Informal payment plan
  • Debt Arrangement Scheme (DAS)
  • Protected Trust Deed
  • Bankruptcy
  • Full and Final settlement
  • Write-offs


Being aware of what money is coming in and out of your household is important. It helps you manage your money to stay on track with spending.  We can offer you a budgeting appointment, to maximise your income, minimise your expenditure, and discuss options for paying bills, bank accounts, priority liabilities, affordable credit and much more.

If you are struggling to manage your money, you can visit our Managing Your Money page for hints and tips on trying to cut your costs and saving money.

How we will use your information

We use the information you give us to understand your financial needs and to find out how best to meet them. We may also share your information with organisations that will be able to give advice or information relating to your financial situation. We will not share your personal information with anyone else without your permission.

All our data processing complies with the requirements of the Data Protection Act 2018 and UK GDPR.

For more details about how we process your personal information please see our privacy notice.

Using a shared or public device (computer or mobile device)

If you are using a public device, such as a library device, or a shared computer, please keep your account safe by ensuring you sign out of your account and shut down your browser when you have finished.

Page last updated:
29 Feb 2024

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