Thrifty Family shares general information. We do not provide debt advice, recommend debt solutions or assess which option is suitable for you. Thrifty Family is a trading name of MoneyNerd Limited.
This page brings together starting points for understanding bills, borrowing and debt collection. The information is general: a debt adviser can assess your circumstances and explain the options available where you live.
Explore the debt guides
Dealing with debt: repayment options and support explains the main types of arrangement, including costs, restrictions and credit-record risks.
Dealing with debt collectors explains identity checks, disputed debts, repayment difficulties and complaints.
If something is urgent
Seek prompt help if you have court papers, an eviction warning, an enforcement notice or an essential bill you cannot pay. Read the deadline on the document and keep a copy. Contacting an adviser or making a complaint does not automatically suspend a deadline.
Find free advice
For free debt advice, use MoneyHelper’s debt advice locator to find a service for your part of the UK. A debt adviser can check your income, essential spending, debts and personal circumstances before explaining your options.
Thrifty Family can also introduce you to The Debt Advice Service, a trading style of Pacific Financial Solutions Limited. Their debt advice is free, with no obligation to proceed. If you submit the debt enquiry form, we share your details with them so they can contact you. MoneyNerd Limited may receive a referral fee if you proceed with a debt solution. Some solutions have fees and may negatively affect your credit rating. We do not compare a panel of debt-advice providers.
Read our privacy policy before submitting personal information. For impartial guidance and access to not-for-profit debt-advice services, you can use MoneyHelper directly.