Debt and money management

This section explains what you should do if you have debts that you cannot afford to pay. It explains how you can negotiate affordable payments, what can happen if you do not pay, and gives details of organisations that can help.


  • Some organisations provide free and confidential help and advice. You don’t have to deal with the debts by yourself.
  • Make sure your income is paid into a bank account that is not linked to your debts.
  • Write a budget sheet to work out what you can afford to pay.
  • Separate your debts into priority and non-priority – deal with priority debts first.
  • If you don’t pay your priority debts you may lose something important, for example your home or fuel supply.
  • If you don’t pay non-priority debt you may be contacted by a debt collection agency or get a county court judgement.
  • You will default on your debt if you don’t pay at the rate agreed when the agreement started. This will be noted on your credit reference file.

We know that money and mental health problems often go hand in hand. That’s why Rethink Mental Illness, as part of Mental Health UK, have set up a new website. It will help you understand, manage and improve your mental and financial health. You can find a wide range of information to help you with your benefits.


Visit the Mental Health & Money Advice site now 

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