Is debt advice really free?

Yes, with the charities and services listed above. They are funded so you do not have to pay. If a company asks for an up-front fee for advice, stop and check them against the Financial Conduct Authority's register first.

Will getting debt advice affect my credit score?

Talking to an adviser does not affect your credit file. Some solutions, such as a debt management plan or IVA, can be recorded on it. An adviser will explain the effects before you choose.

Will the adviser judge me?

No. Debt advisers help people from all walks of life, and what you tell them is confidential. Many people get into debt after a job loss, illness, relationship breakdown or a rise in living costs.

Does Sterlingsum give debt advice?

No. Sterlingsum is an information site and is not authorised to give debt advice. We link to organisations that are. We do not receive payment from any of the services listed on this page.

Council Tax Reduction explained

How low-income households can cut their council tax bill, and how to apply.

The short answer

Council Tax Reduction, sometimes called Council Tax Support, can cut your council tax bill by up to 100% if you are on a low income or claim benefits. You can be working, unemployed, a tenant or a homeowner. Each council runs its own scheme, so what you get depends on where you live.

What decides how much you get

Your income and your household's savings.
Pensions and a partner's income.
The number of children you support.
Other adults who live with you.
Your residency status.

How to apply

Contact your local council. The GOV.UK page has a postcode lookup to find the right one.
Apply even if you are not sure you qualify, because schemes differ.
Keep paying your bill while you wait, if you can, as the reduction may be backdated.
Tell the council if your income or household changes.

Other council tax help

Single person discount: people who live alone usually get a discount on the bill.
Some groups can be exempt or get a disability reduction.
If you are struggling to pay, speak to your council early and see free debt advice, because council tax debt can escalate quickly.

Where to learn more

This guide is for information only and is not benefits or financial advice. Rules and amounts can change, so check the official pages before you rely on them.