You are not alone. We understand that debt can accumulate for a variety of reasons and it is important you realise we are here to support and advise you. It may be that you’ve had a personal crisis such as a job loss, bereavement, illness, accident or injury. It may be that you’ve not been careful enough in your spending or just spent money you simply didn’t have. Your debts may be large or they might be small. You may feel that you’re constantly robbing Peter to pay Paul and going round in circles but getting nowhere.
Being in debt may make you feel out of control and can summon up a whole range of emotions from feeling anxious or depressed to feeling ashamed or scared. Many people feel as though they can’t face their debts and just want to hide away. You may even begin ignoring the official envelopes that fall through the door. If someone has ever suffered with any kind of mental health problem, being in debt may even trigger a relapse or ‘bad episode’. For some people it can feel as though life isn’t worth living anymore.
Our Welfare Officers can support you to sort through your debts and identify which ones are the priorities. They can also put you in touch with specialist debt counsellors or advisors who can give you free debt advice and help you come up with a debt action plan to put you back in control. Our team are not here to judge you but want to listen and help. You can contact us by calling us on 0800 6300 443.
It is important to remember that there is always a solution to help you deal with your debts and to work towards being debt free. It will very often take commitment and some work on your part but it is possible. People often tell us that they feel an enormous sense of relief directly after seeking help.
Racing Welfare’s 24 hour support line enables people to access support and
guidance through digital and telephone options.