You may be entitled to some government benefits to help increase your income. You could speak to your local benefits office or visit Entitled to, 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.

Equity release allows home owners over the age of 55 to release money from their property. This can be an opportunity for those in financial difficulty to repay their debts. The amount of money you can release from your property varies and depends on your age and the value of your property. Your property must have a value of at least £60,000. Equity release is a complex area, and we recommend that you contact us for some specialist advice.

If you would like some help and advice about your retirement you could speak to Age Concern or Help the Aged. If you are unable to keep up with your debts please contact us and one of our specialist advisors will be able to help you.