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Samaritans: 116 123 (free, 24/7). StepChange: 0800 138 1111. National Debtline: 0800 808 4000.

Debtrupt provides practical guidance, not legal advice. For formal advice, contact a regulated solicitor or a free debt charity such as StepChange (0800 138 1111), National Debtline (0800 808 4000), or Citizens Advice.