Are you struggling to pay your bills? Are you in arrears with anything?
Do you worry about answering the phone and opening letters because they are often from companies you owe money to?
Often a change of circumstances such as losing your job, an addition to the family or illness or disability can affect your ability to cope with rent, Council Tax and other bills.
If you fall into debt, don't ignore the problem. It will only get worse. Contact the people you owe money to as soon as possible and explain your problems. Remember, your rent should always be your top priority.
For help with your debt, visit:
Or for a free confidential money health check visit the Money Advice Service
Alternatively you can contact your landlord to confidentially discuss your finances.