Worrying about money

I have debt

If you are worried about money you owe, you're not alone. Many people face debt at some point, and help is available. You might be dealing with:

rent or Council Tax arrears
gas or electricity bills
payday loans
money owed to friends or family
repayments for benefits

What support is available

Debt advice

Anyone can get into debt. Free advice and support are available to help you manage your debts and reduce your monthly payments.

You can receive further advice from our Welfare Support Team and Citizen's Advice Scotland - contact details are provided on this page.

Page last modified: 25 November 2025

Welfare support

Get in touch for free, confidential help and advice on benefits you might be entitled to, support with money matters and personal budgeting advice.

Telephone: 0800 090 1004

Email: welfare.support@highland.gov.uk

Citizen's Advice Scotland

Your local Citizens Advice Bureau can provide confidential advice on a variety of topics such as benefits and entitlements, debt and budgeting, and housing and employment

Telephone: 0800 028 1456

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