January can be a tough month financially. You may have overspent at Christmas, be catching up on bills or finding that everyday costs are higher than expected.
When money feels tight, the pressure can build quickly – and worrying about debt can feel overwhelming.
Confidential debt advice is available and reaching out early can make a real difference.
When should I get debt advice?
Getting advice sooner rather than later can help prevent your situation from becoming harder to manage. It may be time to seek support if:
- You’re missing or delaying payments, or your budget isn’t stretching to the end of the month
- You’re relying on credit to cover essentials like food or utilities
- You’re worried about creditors contacting you or chasing payments
- Your mental health is being affected by financial pressure
- Your income has changed and you’re struggling to keep up with bills
- You’re feeling overwhelmed and unsure what to do next
Even if you’re not in arrears, early debt advice can help you understand your options and prevent things from worsening.
You don’t need to be in crisis to get support – debt advice is there for anyone who feels unsure or unsettled about their finances.
What you can expect when you contact PayPlan
Whether you come to us directly or are referred by one of our partners, you‘ll speak with a trained advisor who will take time to understand your income, bills, debts and personal circumstances. This helps us provide advice that reflects your situation and what you’re experiencing.
We can support you by phone, WhatsApp, email or Live Chat – whichever feels most comfortable for you. There’s no rush; you can pause and return to the conversation whenever you need time and space.
Your first conversation will usually include:
- A simple income and expenditure budget
This helps you see your full financial picture and may highlight costs you haven’t considered, such as gifts or clothing. - A discussion about your debts and circumstances
This ensures any advice you receive is tailored to your needs. - Clear information about the options available
We’ll explain each debt solution, answer your questions and help you understand what feels right for you.
What you can do next
If you are struggling with debts call us on 0800 072 1206. We’re open from 8am – 8pm Monday to Friday and 9am – 3pm on Saturdays.
Alternatively, you can visit our www.payplan.com/police to speak to us via live chat or more information