Debt Solutions. Call the National Debt Helpline on 1800 007 007. Their professional financial counsellors provide free and confidential advice. he helpline is open from 9:30 am to 4:30 pm, Monday to Friday.
You can also visit the National Debt Helpline website. It has step-by-step guides explaining how to fix common debt problems. For example, what to do if you can’t pay your:

energy bills
internet or phone bills
mortgage
credit cards, or
payday loans.