Problem Debt

Start taking control of your problem debt now

Problem debt can be immensely worrying. However, we will help you understand the debt solutions available and get you back on track.

Use our Online Debt Advice Tool, call us on 01925 599 400 or email to get expert help to manage your problem debt.

*Our advice is free, but if you sign up for a debt solution, a fee will apply for some solutions.

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What is problem debt?

Problem debt occurs if a person is unable to afford their debt repayments. As a consequence, they can fall behind on their payments, be in arrears to creditors and feel overwhelmed by their debt.

Once in problem debt, it can be a difficult cycle to avoid with many feeling stuck in debt.

What causes problem debt?

While there is no one cause of problem debt, many people who come to us for help with problem debt have usually experienced a significant change in circumstances, such as:

  • A job loss
  • A loss of income, either from their employment or benefits
  • A relationship breakdown

Meanwhile, people often become ashamed of their debt and, rather than seek help, continue to struggle with their debts and get themselves into a debt cycle.

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Find the right solution and reduce monthly payments.

*Our advice is free, but if you sign up for a debt solution, a fee will apply for some solutions.

How to spot problem debt?

The first step to dealing with problem debt, is first identifying when you are in problem debt.

Although everyone’s circumstances are different, there are some common signs that you, or a loved one, are experiencing problem debt:

  • You’re behind on, or are struggling to make, your debt repayments. This can include credit cards, loans, store cards or priority debts.
  • You are worrying about your debt and it is starting to have an impact on your mental or physical health.

Often, people in problem debt may become reliant on credit cards to pay for household essentials or may be repeatedly turning to family and friends to borrow money.

Help with problem debt

If you have fallen into problem debt, you should seek debt advice straight away. Not only can debt advice help to identify the most appropriate solution to get you back on track, it can also help to significantly ease the stress and worry that problem debt can bring.

At Angel Advance, we offer confidential debt advice online any time, day, or night via our online debt advice tool.

Or if you would prefer to speak with one of our expert debt advisors, you can call us on 01925 599 400 or email