Citizens Advice

The Citizen's Advice offer advice and guidance on debt problems, how to avoid losing your home and how to get your finances back into shape.

Find out more at Citizens Advice


A national charity that provides free debt advice and debt management plans (DMP).

Find out more at Stepchange

National Debtline

They offer free, confidential and independent advice to help people deal with their debt problems. All their advisers are experts in debt advice and their service is always free.  

Find out more at National Debtline

Debt Advice Foundation

A specialist debt charity offering free, confidential advice on any aspect of debt.

Get help with debt

Debt advice for Carers

Carers often have extra financial pressure. They are forced to reduce hours or give up work and face additional costs for disability and ill health.

Find out more at Carers Matters Norfolk


PayPlan offers free debt help and advice, including self-employed debt help. They also help with contacting people you owe money to and arranging lower payments to make things more affordable.

Find out more at PayPlan

Benefit overpayments

Help and advice on paying back benefit overpayments, when they have to be made and repayments when someone has died.

Find out more about benefit overpayments

Tax credits overpayments

Help with paying back tax credit overpayments and what to do if you can't afford your repayments.

Find out more about tax credit overpayments

Benefit debt reductions

Guidance for employers on deducting any money an employee owes the Department for Work and Pensions (DWP) from their pay.

Make benefit debt deductions

Struggling to pay a housing benefit overpayment

By completing our online form, you can ask us to lower the weekly amount you pay or request a payment holiday. 

Offer to pay by instalments