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 website with a benefits calculator. If you are struggling with debts and would like advice on benefits please call our helpline. One of our specialist advisors will be able to check what you are entitled to.

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.

Payment protection insurance (PPI), is insurance that will pay out a sum of money to help cover your monthly repayments on your debt you took it out for if you are unable to work. This could be because you have an accident or sickness, or become unemployed through no fault of your own. Some payment protection policies will pay the debt off if you die.

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 Legal Services Agency can help you find your nearest centre.

The Scottish Legal Aid Board can also assist you in finding a lawyer or applying for legal aid.