There are a number of organisations that can offer independent advice online, face-to-face or over the phone.

• Scotland's Financial Health Service – find information and advice on debt, managing money, housing, homelessness and ethical lending

• Keeping your Home – gives advice to home owners to help prevent repossessions

• National Debtline – get free, confidential and independent debt advice on 0808 808 4000

• Citizens Advice – visit your nearest bureau to speak to somebody face-to-face, or call 0808 800 9060

• Shelter Scotland – call the free helpline for housing advice on 0808 800 4444

• Money Advice Scotland – find details of agencies that give independent financial advice, call 0141 572 02

Speak to a money adviser

Money advisers can give confidential, independent and reliable advice about your situation.

Search for money advisers in your area.