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Unemployment, job loss and reduced hours

Many people find themselves trapped by debt after becoming unemployed. This can often feel like a very difficult situation, and can be hugely stressful.

Unemployment can happen to anyone. If you're unemployed, you're very likely to find yourself on a limited income, which can make it very difficult to deal with things such as unsecured debt. We can give you the support and information you need to get you back on track.

Asking for help can be hard.

Are debts causing you stress? Do you feel you never have the time?

Whatever the barrier, let’s deal with it together.

Find out more here.

Unemployed and need help with debt?

Money worries?

Find out how we can help you.

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Why are unemployment and debt problems linked?

Unemployment can devastate the finances of any family, especially if they're already struggling with unsecured debt. This can often leave a family feeling financially trapped.

Being on limited income means that you must prioritise your living expenses until things improve.

What can I do to help my finances?

It's important that you start dealing with your debt problem, and budget effectively, as soon as possible.



  • Talk to your creditors and explain you're struggling to keep up with repayments
  • You may be able to apply for Breathing Space, which means you get some time and space to deal with your debts, if you've had debt advice
  • Avoid taking out any more loans
  • Stop further use of your credit cards or adding to credit card debt
  • Try not to increase your overdraft. Many people do this to tide them over between jobs, but overdrafts can be very difficult to get out of, even when you're back in work
  • Talk to your bank and see if they can help with any debts you have with them. If they’re not able to, move to a basic bank account with a provider you don’t owe money to.
  • Avoid taking out any debt consolidation loans
  • Avoid taking out any loans secured against your home

In addition to not taking out any further credit, we'd recommend you:

  • Use our benefits calculator to see if you're getting all of the benefits you're entitled to
  • Make your mortgage provider aware that you're not currently working, as you may qualify for government assistance
  • Talk to Jobcentre Plus about how you can claim benefits to pay your rent and council tax until you're back in work

You’re not alone - debt help is available

Remember that there are millions of people in the UK having problems with their debts, so you needn’t feel ashamed or embarrassed. If you're suffering under a burden of debt, please don't hesitate to get free, expert debt help and advice from us.

It's also recommended that you:

  1. Use our benefits calculator to see if you're getting all of the benefits you may be entitled to
  2. Make your mortgage provider aware that you're not currently working, as you may qualify for government mortgage assistance
  3. Talk to the Jobcentre about how you can claim benefits to pay your rent and council tax until you're back in work

Get debt help if you have lost your job

Millions of people in the UK have debt problems. If you're suffering, get free, expert debt help and advice.

You can use our online advice tool any time of day.