If you struggle to meet even the minimum repayments or your non-mortgage debts are more than a year’s after-tax income then you are likely in debt crisis. A free one-on-one debt counselling charity like citizensadvice.org.uk, stepchange.org or nationaldebtline.org will help – without judging you – and can put you in a debt management plan to relieve the pressure. If you’re also struggling emotionally capuk.org combines debt and general counselling. The most common thing I hear from people after they use them is: “I finally slept last night”. See also my free Mental Health & Debt Help booklet at mse.me/mentalhealth.