www.nationaldebtline.org Call us for free debt advice on 0808 808 4000 Monday to Friday 9am to 8pm Saturdays 9.30am to 1pm The development of this guide was funded by the Money Advice Service and designed in partnership with the Money Advice Trust, which runs National Debtline, and Ogilvy Consulting Behavioural Science Practice. The guide was tested extensively with advice agencies and service users. We are particularly grateful to the following organisations and networks for their kind help in preparing this guide. National Debtline is part of the Money Advice Trust. Money Advice Trust is a registered charity, (number 1099506), and a company limited by guarantee (number 4741583). Registered office: 21 Garlick Hill, London EC4V 2AU. Money Advice Trust is authorised and regulated by the Financial Conduct Authority (number 618928). © National Debtline and Money Advice Trust. Published April 2019, England and Wales. All information in this booklet was accurate when this edition was issued.