What can I do if I am in debt?  

You first need to create a plan to deal with your debts through filling out an income and expenditure form. This can highlight things that you no longer need, want or can cut back on. There are many online budgeting tools that can help you to do this, including this budget planner from the Money Advice Service.

Once this plan is in place you can start to move forward. 

You should also make use of agencies who can help advise you on your options, for example Citizens Advice.