Most debt issues can be easily sorted out if you just reach out for help.

For support and advice when it comes to managing your money, visit Debt and money - Citizens Advice (opens in a new window) or click on the tabs at the bottom of this page for debt advice and support in your area.

Click on the tabs below for help and support

Bankruptcy Advice Online

Provider of information and guidance on bankruptcy, debt and debt solutions.

Contact number: 0800 564 2211

Bankruptcy Advice Online website (opens in a new window) 

Email Bankruptcy Advice Online 

Citizens Advice

Telephone and face to face support for Signposting, debt, welfare. 

Contact number: 03444 111 444

Citizens Advice Website (opens in a new window)

IVAorg CIC (not-for-profit, free debt help and advice)

Advice, help and support to complete an Individual Voluntary Agreement (IVA) to reduce debt. 

Contact number: 0800 856 8569

IVAorg CIC website (opens in a new window)

Email IVAorg CIC

Mortgage Advice

A guide to mortgage payment holidays during the effects of coronavirus

Mortgage Advice website (opens in a new window) 

National Debt Line 

Debt advice and support. 

Contact number: 0808 808 4000

National Debt Line website (opens in a new window).

Christians Against Poverty

Support and Advice

Contact number: 0800 328 0006

Christians Against Poverty website (opens in a new window) 

Shelter - Blackburn debt project

Debt and Welfare support. 

Contact number: 0344 515 1831

Shelter Blackburn website (opens in a new window)

West Lancashire Debt Advice

Free, face to face (currently only accepting phone, email and text enquiries due to Covid) debt advice service set up by Churches Together in Ormskirk.

Contact number: 07731 482120

West Lancashire Debt Advice website (opens in a new window)

Email West Lancashire Debt Advice.

Lancashire Women

Free, Lancashire-wide support on anything from budgeting, energy advice, debt, and more.

Money, Benefits and Debt Advice | Lancashire Women (opens in a new window) 

Barrow Citizens Advice Bureau

Debt support. 

Contact number: 01229 830367

Barrow Citiziens Advice Bureau website (opens in a new window)

Benefit Advice Service 

For residents of Carlisle and District requiring welfare and benefit advice. 

Contact number: 01228 817400

Benefit Advice Service website (opens in a new window) 

Email Benefit Advice Service 

​​​​South Lakes Citizens Advice Bureau

Debt Support. 

Contact number: 03444 111 444

South Lakes Citizens Advice Bureau website (opens in a new window).

Emma Sylvester is a Debt Services Manager at Citizens Advice

Make your money go further

  • Maximise your income - you may be entitled to benefits (opens in a new window) you didn't realise you were entitled to.
  • Apply for a Warm Home Discount (opens in a new window).
  • Use your local foodbanks - they are there to support you. This then frees up money for rent, gas, electric and other essential bills.
  • Try to budget your income - break down a monthly income into weekly amounts, use envelopes/jam jars to add money in each week towards larger costs.
  • Buy marked down food at the end of the day in supermarkets and batch cook and freeze for days later in the month when money is tight.
  • Turn your thermostat down just a few degrees - this saves money when using a meter.
  • Consider investing in a heated blanket - easier and cheaper to keep warm for pence instead of pounds.
  • On the day you get paid, fill up the car with fuel, top up meters, buy a large food shop and batch cook. Pay any outstanding priorities before paying anything else. If you run out of money then at least you have the important essentials your family needs.

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