We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).

Life changes and coronavirus

As we all continue to adjust to the ‘new normal’, there’s no doubt that life as we knew it has changed for everyone. However, many people are now facing changes that will have a large and lasting impact on their lives.

If your life has changed, we're here to support you.

Sadly, there are several ways coronavirus may have changed your life, including:

  • The loss of a loved one
  • Long-term illness
  • Divorce or separation
  • Job loss

How are you feeling?

Each of these life changes is an emotionally challenging thing to deal with, so it’s of course natural to feel stressed and anxious when faced with any of these situations. If you’re worried about money on top of everything else you’re feeling, things can become overwhelming.

We’ve created this guide to help you navigate these difficult situations, and to list the support available. So, if a major change in your life is causing you financial stress, we hope this information can help give you one less thing to worry about.

The death of someone close to you can have a devastating effect on several areas of your life. Not only does it affect you emotionally, it can take a real toll on your wellbeing, your plans for the future, and your finances. Sadly, coronavirus has directly and indirectly caused a rise in the number of deaths recently, and more people are having to face these effects every day.

Bereavement often creates a lot of uncertainty around what happens to the person’s debts or assets when they pass away. If you've been affected by this, it's important that you know where you stand and how to get the support you need. When you feel ready, please read our guide on how to deal with debt following a bereavement and what to do with debts that aren’t in your name. 

If you’re struggling to cope with the loss of a loved one, contact a bereavement charity such as Cruse or an emotional support charity such as Samaritans. If you have the added stress of worrying about finances after your loved one has passed, we can help.

When you’re living with an illness or you’re on long-term sick leave, it can be challenging both mentally and physically.

Unfortunately, coronavirus is leading to widespread illness across the country. If you’ve had to take time off sick due to coronavirus, illness will have an impact on your finances, causing you more stress and potentially hindering your recovery. These financial pressures can make falling into debt more likely, or lead to debts you could normally deal with becoming unmanageable. 

Find out about the support available for applying for benefits, sick pay and other ways to deal with financial problems caused by long term sickness.

Coronavirus has had an effect on everyone’s homelife. Whether it’s weeks apart, or too much time together, the current situation has put a strain on many relationships. As well as the obvious emotional stress this causes, it can also lead to money worries.

Divorce and separation can lead to a reduced income, as well as new expenses like solicitors’ fees and relocation costs. On top of this, if either of you have debts, it can often be unclear who becomes responsible for them when you’re not longer together.

What happens to a debt after a divorce depends on your circumstances. For example, whose name the debt’s in, the date of it and whether it’s a joint debt. The financial situation of you and your ex-partner can also affect what happens to debts after divorce.

If you’re worried about your finances following a divorce or separation, we can help. 

Being made redundant and losing your job can be a very upsetting and stressful situation to have to deal with. In most cases it also means having to get by on a reduced income.

It’s no secret that many people are facing unemployment due to coronavirus. If you’ve lost your job, your intention may be to get back into work as soon as possible, but it’s important to act fast as you can in the current climate to reduce the impact on your finances.

If you’re worried about how to deal with your household bills or debts, or both, we can help. Take a look at our step-by-step reduced income guide for help dealing with your immediate worries, taking control of your finances, and feeling more confident about your financial future.

During such an uncertain time, it's natural that you might be feeling stressed and anxious. This is especially true if you're worried about someone with a vulnerability.

When it comes to money worries, anyone who finds it especially hard to deal with their debts because of their situation or their health could be considered ‘vulnerable’. Creditors are obligated to provide extra support to a vulnerable person. if you make a creditor aware of a vulnerability, they'll put extra measures in place to ensure the vulnerable person isn't impacted unfairly. 

If you know someone who needs extra help to manage their finances, helping them reduce the stress and worry of a debt problem can make a big difference to helping them cope with other issues. Find out how you, and we, can help someone you care about deal with their debts at this difficult time.

Has your life changed because of coronavirus?

If your life’s been impacted by the effects of coronavirus, and you’re worried about your finances, or the finances of someone you care about, we’re here for you. Don’t suffer in silence, ignore it, or try to go it alone. We have a team of advisors who can provide the free and confidential debt advice you need. Together, we will get through this.

In the meantime, putting together a budget can help you understand your current financial situation and make savings on your living costs. 

Do you need debt advice?

If you're worried about money and feel you might have a debt problem, use our free online debt tool.

We'll give you personalised advice and find the right solution.

Get debt help now

Hear from people we've helped

Every year, we help over 650,000 people resolve their problems, repay their debts and rebuild their lives.

Find out how we helped them regain control of their finances.

Read our clients' stories