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Debt advice

How we can help

Are you are worried about debt or experiencing financial difficulties? Our debt advisers 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 adhered to at all times.

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. This could help you avoid debt, reduce the risk of unexpected costs and perhaps even have some money left to save.

If you are currently experiencing difficulties we can alleviate the stress of dealing with your creditors. We can offer advice and assistance with all debt matters including:

Rent, mortgage and council tax arrears

If you are struggling to pay your rent you could be entitled to help in the form of a Discretionary Housing Payment and we can assist with this application.

We can also check whether you are entitled to any help with your rent through Housing Benefit or Universal Credit or check if you are entitled to Council Tax Reduction.

We can also offer advice if you have been threatened with eviction or have been left homeless.

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.

You might be able to get £140 off your electricity bill through the Warm Home Discount Scheme. You must be getting the Guarantee Credit part of Pension Credit or be on a low income. Contact your supplier directly to check if they are part of the scheme and to apply.

Many energy companies offer grants you can apply for to help pay off gas or electric arrears that you are struggling to repay. You should check directly with your provider about any available grants. If you can’t get a grant from your supplier then you can apply for a grant from The British Gas Energy Trust (you don’t have to be a British Gas customer to apply).

We can assist you with any gas or electric arrears that you are struggling with.

General debts

If you are struggling to meet repayments for general debts including credit cards, personal loans and payday loans we can help. We can offer advice on what actions creditors can and cannot take as well as discussing options available to you.


It may seem that there is no end to your mounting debt but it could sometimes be a cost-cutting or budgeting issue.

Being aware of what money is coming into your household versus what is going out is important to help you keep track of your spending and manage your money and we have developed a helpful budgeting tool to assist you with this. 

Budgeting tool

Our user-friendly budgeting tool is simple and free to use and will not take long to complete.

It will provide you with an overview of your household income and expenditure.

This will help you to manage your finances and see where you can make perhaps make savings.

Need our help?

If you are looking for advice and support with debt advice you can get in touch by emailing us at or by giving us a call on 01698 332551.

A debt adviser will then call you within five working days to gather more information.
Your case will then be allocated to a debt adviser who will take you through the process which will include looking at the relevant options most suited to your debt situation.
This could include:

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

Contact us today to begin your Debt Advice Journey and take the first steps to gain control of your finances.

Page last updated:
23 Jun 2022

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