What to do when you can't meet your mortgage payments


Many homeowners have problems paying their mortgages, often when they lose a job, split up with a partner or have unexpected expenses.
If you're struggling to pay, you need to act quickly - even if the problems are only temporary.

4. Should you use a fee-charging debt management company?


You may see adverts for companies that will handle your debts for a fee. Be wary of claims that your debts will disappear – and remember that because you have to pay a fee, you are likely to end up paying off your debt for longer. Rather than paying a fee you could use one of the many organisations that will give free advice. View our list of useful contacts.