Struggling To Pay Bills

The following links may help if you are struggling to pay essential bills.

Breathing Space (debt respite scheme)

This is a government scheme which gives you legal protections from creditor action for up to 60 days. The protections include pausing most enforcement action and contact from creditors and freezing most interest and charges on their debts.

Find out more about Breathing Space.  

Financial help (Surrey County Council)

Get details of financial support offered by Surrey County Council.

Help for Households (UK Government)

Find information on the cost of living support you may be eligible on Help for Households and the Energy Bills Support Scheme.

Money navigator tool (Money Helper UK)

Free money and debt guidance based on individual circumstances and help find support in your area. Includes: ways of staying on top of bills;  how to find extra support; and where to get extra help. 

Go to: Money navigator tool

Last modified: 13/06/2025