There are several charities that can help you deal with divorce or separation. Relate can also provide counselling, help and support to help you deal with your relationship problems.

There are several places you can go for free advice on legal matters.

Law centres are found in many larger towns and offer free advice from qualified solicitors or barristers. The Law Centres Federation can help you find your nearest centre.

Community Legal Advice can also assist you in finding free legal advice in your area.

Joint and several liability means that both people named on the credit agreement for a debt have equal responsibly to repay it. This means that if one person is unable to pay the other person will have to.

You may be entitled to some government benefits to help increase your income. You could speak to your local benefits office or visit Turn 2 Us, a government website with a benefits calculator. If you are struggling to pay your debts and would like advice on benefits please call our helpline. One of our specialist benefit advisors will be able to check if you are entitled to any benefits.