January is usually a busy time for us at Citizens Advice Wiltshire. We’re expecting at least a dozen people to seek advice for debt concerns each and every day this notice inclusiveplum web

This will also be the same for local Citizens Advice across the country. Over the past three years one person sought help from Citizens Advice every 10 seconds on our busiest days for debt advice, including council tax arrears, rent arrears, credit card debt, and utility bill debt for water, gas and electric.

What to do if you’d like to sort out your debts

We offer free and independent advice and support to help you deal with your debts and get back on your feet.

To get you started here’s our top six tips to help you to sort out your debts:

  1. Work out how much you owe - Make a list of whom you owe money to and add up how much you need to pay each month. If you don’t have your most recent statements, contact your creditor to find out what you owe. Read more on collecting information about your debts.

  2. Prioritise your debts - Your rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you don’t pay them. These should always be paid first. Separate these and work out how much you owe. More information to help you work out which debts to pay first.

  3. Work out how much you can pay - Create a budget by adding up your essential living costs, such as food and housing, and taking these away from your income. Any money you have spare can be put towards your debts. Citizens Advice budgeting tool can help.

  4. Paying urgent debts - You might have to contact priority creditors quickly in urgent situations, like if you are about to be evicted. Tell them you're seeking debt advice so you can find a way forward. You could try to pay them something if you can afford to.

  5. Paying non-urgent debts - If you have any money left after paying priority debts, consider getting a free debt-management plan. You’ll make one monthly payment to the plan provider, who will handle paying your creditors. Or contact your creditors and offer them what you can afford to pay.

  6. If you can’t pay your debts - If you’ve got little or no money spare to pay your priority debts seek advice from us straight away. There are lots of ways to get advice from us:

Call us on 03444 111 444 (lines are open 9am to 5pm Monday to Friday),
or drop into your local Citizens Advice office. Details of your nearest office and opening times can be found here, or email us

 You can also find further information and advice on dealing with debt and managing money on the Citizens Advice website

Published 10 January 2020

Further articles, advice and information you may find useful:


Citizens Advice Wiltshire

We provide free, confidential advice and campaign on issues affecting people's lives.

People come to us with all sorts of issues. You may have money, benefit, housing or employment problems. You may be facing a crisis, or just considering your options.

Whatever problem you face, we'll help you find a way forward.

Signage web

How can we help?

whatever the problem, we're here Get advice online

Get advice by phone

Call 03444 111 444
Lines are open 9am to 5pm Monday to Friday Or email us

More from us

  • How to start dealing with your debts

    January is usually a busy time for us at Citizens Advice Wiltshire. We’re expecting at least a...
  • Advice column

    Our advice column features common queries along with advice and information about what you can do...
  • Job vacancies

    Last updated 20th February 2020 We have the following vacancy:   Head of Finance and Business...


We use our clients' experience to campaign for positive change, locally and nationally. See our latest campaigns, read our research and find out about the impact of our advice.


Opening times and where to find us
The Library, The Strand, Calne SN11 0JU
Monday - 10am to 3pm 
Closed on bank holidays
3 Avon Reach, Monkton Hill
Chippenham SN15 1EE
Monday, Tuesday and Friday - 10am to 3pm
Closed on bank holidays 
This office will be closed on Tuesday 3 March 2020. We are sorry for any inconvenience caused.
New Park Street, Devizes SN10 1DY
Monday and Thursday - 10am to 3pm
Closed on bank holidays
Town Hall, Market Place
Melksham SN12 6ES
Friday - 10am to 3pm 
Closed on bank holidays 
Royal Wootton Bassett
The Library, Borough Fields, 
Royal Wootton Bassett SN4 7AX
Wednesday - 10am to 3pm
Five Rivers Health & Wellbeing Centre,
Hulse Road, Salisbury SP1 3NR 
Monday, Tuesday and Thursday - 10am to 3pm
Closed on bank holidays
The Community Centre, Wylye Road
Tidworth SP9 7QQ
Wednesday - 10am to 3pm
1 Mill Street,
Trowbridge BA14 8BE
Monday, Wednesday & Thursday - 10am to 3pm
Closed on bank holidays
The Library, Three Horseshoes Walk,
Warminster BA12 9BT
Tuesday - 10am to 3pm 

Stay in touch

Sign up to receive update newsletters from the team at Wiltshire Citizens Advice. Please note your contact details will not be used for anything other than distributing this newsletter.
Please wait

Volunteer with us

Our highly trained volunteers come from a range of backgrounds and help with everything we do. 

Could you join them? 

Volunteer opportunities

Have we helped?

When we promote our work to the people who need us and the people who fund us, we rely on being able to tell real-life success stories about the difference we’ve made to people’s lives.

Your stories

Contact us
Please use this form to contact us, or to get advice by email.

We are not able to book appointments using this form but we can give advice or direct you to other advice links. We aim to respond to your enquiry within 5 working days.

To contact us for advice by phone, call: 03444 111 444 (Monday to Friday 9am to 5pm. Closed on bank holidays).

Or you can drop in to one of our local offices.

Fields marked with ( * ) are required.
1000 characters left
Your personal information

When you provide us with personal information, for example, when using this form to contact us, we take steps to ensure that your information is treated securely.

We need to record information about you to help with your enquiry. We have a legitimate interest to do this.

We keep what you tell us safe and confidential and you always decide what you share with us. You can read more about how we handle and store your data in our privacy policy (this will open in a new window, so that any information you have already added to this form will be kept in this window)

We need your explicit consent to keep some information, including your ethnicity, religion, health conditions, sexual orientation, and trade union membership.

If you agree, we’ll use this information, which is known as ‘special category personal data’ to:
● give you advice
● help us gather data to improve our service
● support our research in a way that you can’t be identified

For example, if you need advice about claiming certain benefits, you may want to tell us about health problems you have which may be relevant to your enquiry.

By ticking the boxes below you consent to Citizens Advice recording the special category personal data you choose to provide Citizens Advice.

We’ll make sure all your information is kept safe and secure.

Yes, I consent to you holding information on my (please tick all of those you agree to):

We use cookies on our website. Some of them are essential for the operation of the site, while others help us to improve this site and the user experience (tracking cookies).

You can decide for yourself whether you want to allow cookies or not. Please note that if you reject them, you may not be able to use all the functionalities of the site.