Debt and Mental Health
Debt and mental health are closely connected — financial stress can worsen mental health, and poor mental health can make it harder to manage money. If you're struggling with both, there are specific protections and support available to you.
Your Extra Protections
If you have a mental health condition, creditors must:
- Show you extra consideration under FCA vulnerability rules
- Not use aggressive collection tactics
- Accept communication from a nominated representative if you can't manage yourself
- Consider writing off debts in some cases
The Debt and Mental Health Evidence Form (DMHEF)
This is a specific form that your doctor or mental health professional can complete. It provides evidence to creditors that:
- Your mental health is significantly affected by your debt
- You are unable to manage your finances
- Pursuing the debt may worsen your condition
Many creditors will freeze or write off debts when presented with a DMHEF.
How to Use the DMHEF
- 1Download the form from the Mental Health and Money Advice website
- 2Ask your GP, psychiatrist, or CPN to complete it
- 3Send copies to each creditor
- 4Creditors must consider the evidence
Looking After Yourself
- Breathing exercises: Use our built-in breathing tool when anxiety peaks
- One step at a time: You don't need to fix everything today
- Talk to someone: Samaritans (116 123), Mind (0300 123 3393), SHOUT (text 85258)
- Delegate if needed: Ask a trusted person to help with creditor calls
Practical Steps When You're Ready
When you feel able, even small steps help:
- 1Use our Financial Survival Check — just 7 questions
- 2Generate one letter to your biggest creditor
- 3Check your benefits — you may be missing support
Frequently Asked Questions
Can debts be written off for mental health reasons?
In some cases, yes. If a creditor receives evidence (such as a DMHEF form) showing that your mental health makes it impossible to manage the debt, some will write it off. This is more common with utility companies and some credit providers.
Can someone else deal with my creditors for me?
Yes. You can nominate a representative to deal with creditors on your behalf. Contact each creditor and tell them you'd like to authorise someone else. They may ask for written confirmation.
Related Guides
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Sources & Further Reading
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