Stanford & Green

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Debt Advice

Need help managing debt? You’re not alone. This page lists trusted, free debt advice services to help you find the right support and take control of your finances. Whether you’re feeling overwhelmed or just need guidance, help is available.

CITIZENS ADVICE BUREAU

Providing you with free, independent, confidential and impartial advice on your rights and responsibilities. The CAB can assist you with issues regarding benefits, work, debt, consumer advice, family Issues, Housing, Law & Courts, immigration and health issues.

WEST KENT DEBT ADVICE

West Kent Debt Advise is run by Crosslight Advice an independent, community-focused charity working to alleviate poverty caused by problem debt and lack of financial capability. The centre provides counselling, advice, and practical help. A six-step action plan is used to help you back on the road to financial stability.

CHRISTIANS AGAINST POVERTY

Helping to release people from a debt, poverty and their causes. Services are run through local churches to tackle poverty head on by providing a real solution to debt

STEPCHANGE DEBT CHARITY

Free, impartial and confidential advice tailored to your situation. Stepchange provide a range of managed debt solutions and all the support you need to help you if you have debt.

NATIONAL DEBTLINE

National Debtline run by the Money Advice Trust is a free independent charity that provides a confidential debt advice service, helping millions of people deal with their debts.

Bailiff Advice Online

The Bailiff Advice Online website and helpline was launched in 2006. Since then, it has earned an excellent reputation for providing the most up to date and accurate information regarding the enforcement of debts by bailiffs/enforcement agents.

Breathing Space: Debt Advice and What It Means for You

What is Breathing Space?

Breathing Space is a government-supported scheme designed to give people under financial stress temporary relief from creditor action, including enforcement, legal action, and charging interest on debts.

When you enter Breathing Space:

  • All enforcement action (such as visits from enforcement agents, court action, or bailiff visits) must pause.
  • Creditors cannot add interest or fees to your debts during this period.
  • You get time to work with debt advisers to agree on a manageable repayment plan.
  • Standard Breathing Space lasts for up to 60 days.
  • Mental Health Breathing Space lasts for the duration of your mental health crisis plus 30 days after.
  1. Contact a debt advice organisation authorised to provide Breathing Space support.
  2. The adviser will assess your situation and apply for Breathing Space on your behalf if appropriate.
  3. You will receive written confirmation of your Breathing Space status.
  • Breathing Space does not erase or reduce your debts; it only pauses enforcement temporarily.
  • You must engage with your debt adviser and follow the agreed plan after Breathing Space ends.
  • If you ignore or breach the rules of the scheme, your Breathing Space protection may be cancelled.
  • Not all debts qualify for Breathing Space (some secured debts or certain tax debts might be excluded).

Where to Get Help

Citizens Advice

0800 144 8848 www.citizensadvice.org.uk

National Debtline

0808 808 4000 www.nationaldebtline.org

StepChange Debt Charity

0800 138 1111
www.stepchange.org

If you are receiving enforcement visits or legal notices about unpaid council tax or other debts and feel overwhelmed, ask about Breathing Space when you speak to a debt adviser. It could provide the breathing room you need to get back on track.

    Get in touch with us

    Whether you need help with debt recovery, enforcement services, or have a general enquiry, our team is ready to assist. Reach out today and we’ll get back to you as soon as possible.

    Have any question?

    +44 1622 683308

    Write email

    info@stanfordandgreen.co.uk