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The Royal College of Psychiatrists Improving the lives of people with mental illness

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Debt and mental health: Resources for health and social care professionals

How can health and social care professionals help service users who are in debt?

The resources below provide basic advice for health and social care workers. It describes how they can practically help people with debt and mental health problems.


Detailed information

Download our guidance for health and social care professionals

  • Final Demand: Debt and Mental Health – This popular booklet gives advice to health and social care workers on how to help service users who have debts, with an additional emphasis on engaging with money advice services.   This is the second edition, released in 2009 (first edition 2006). 


Tools for negotiating with creditors




Additional information


The resources above don't expect workers to become debt experts, but instead describe the big differences they can make by knowing and doing small things.

This work is a collaboration between people with direct experiences of mental health problems, researchers from the Royal College of Psychiatrists and Rethink, and collaborating money advice, health and social care organisations.


Advisory work


Chris Fitch and Rob Chaplin provide guidance to the National Working Party on Debt and Mental Health.  This is a group comprised of creditor agencies, advice agencies, and health organisations.  Overseen by the Money Advice Liaison Group, the National Working Party published recommendations on best practice in working with people with mental health and debt problems in November 2007. 




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