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Dealing with debt

Regardless of how much debt you have, there are many ways to get help. There are several agencies that can assist with debt issues. Some of these are listed below:

Priority and non-priority debts

Debts can be classed as either priority or non-priority. This means that priority debts - such as your rent and council tax arrears - can result in you losing your home or belongings. Non priority debts - such as catalogues and credit cards - can negatively affect your credit file.

Below is an example of  the main priorities when managing your budget:

  • Rent arrears
  • Council tax
  • Gas/electricity/water
  • Court fines
  • TV licence

Options available if you are struggling with debt:


Knowsley Credit Union adopts a sensible lending policy. Visit the Knowsley Mutual CU (external link) for more information or call 0151 545 3380 to make an appointment.

Loan sharks

Don’t suffer in silence. Report a loan shark problem and get help:

Other help available

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