Managing debt

Managing debt

Carers can find themselves under great financial pressures, and can fall into debt. There is help available.

Help with debt

It’s all too easy for carers to face financial pressures as they are often forced to reduce their working hours, or give up work and face extra costs.

Caring households can find themselves spending more on food, transport and bills, as well as paying for disability-related items like home adaptations, equipment or care services. The result can be mounting debt.

If you find yourself in financial difficulties, please ask for help. There is lots of free, confidential support and advice available. It’s also really important that you check that you are getting all you’re entitled to in terms of benefits, and other financial help.

Get in touch with us for information and advice. Call us on 0303 040 1234 or email [email protected]. You can also text us (SMS) on 07723 486730.

Or try any of the organisations listed below. The first step is asking for help.

For free and confidential debt and money advice:

These organisations can all help. Take a look at their websites to find the information you need.

Citizens Advice Bureau

CAP  – who also have this helpful leaflet Weighed Down By Debt

Debt Advice Foundation

Debt Support Trust

Money Advice Service

National Debtline


Step Change

Civil Legal Advice (if your home is at risk)

Community Money Advice

Loan sharks

‘Loan shark’ is a term for people who lend money illegally.

They often target low income and desperate families. They might seem friendly at first but borrowing from them is never a good idea – even if you feel you have no other options.

Please get in touch with Action for Carers, or one of the organisations above. They can give you proper advice and guidance on your financial difficulties.

The government’s Money Advice Service has lots of helpful advice about avoiding loan sharks here: Money Advice Service: how to spot a loan shark

More information

Some other guidance related to money that may be helpful.

No cold callers or sales at door sticker

Scam awareness

Unfortunately carers can be the victims of scams - find out how to protect yourself.

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