Renfrewshire Council

People with an advisor at an Advice Renfrewshire event in Johnstone

Debt advice is at hand on Blue Monday

Are you worried about debt and big bills after Christmas? You're not alone.

Today is Blue Monday, often described as the "most depressing day of the year" because it's the day bills from Christmas start arriving ahead of many people's pay day.

A third of all families will have spent more than they can afford at Christmas, leaving many struggling financially.

However, help is at hand. There are many organisations in Renfrewshire who can provide you with help and debt advice.

Advice Renfrewshire

Find free, confidential, and impartial advice.

  • Money and debt
  • Food
  • Welfare benefits
  • Urgent advice
  • Legal
  • Consumer
  • Housing
  • Health
  • Energy advice


Freephone: 0808 164 2922

Advice Works

Free, confidential and independent service and will give you advice in a straightforward manner. 

  • Money and debt
  • Budgeting
  • Negotiating with creditors
  • Bankruptcy
  • Mortgage and rent arrears
  • Benefits check

Drop-in service available in Johnstone, Paisley and Renfrew..

Advice Works
Johnstone Town Hall, 25 Church Street, Johnstone
Monday - Thursday: 8.45am - 4.45pm, Friday 8.45am - 3.55pm

Renfrewshire House
Customer Service Centre, Cotton Street, Paisley
Monday - Thursday: 8.45am - 4.45pm, Friday 8.45am - 3.55pm

Renfrew Health Centre
10 Ferry Road, Renfrew
Tuesday, Wednesday, Friday: 8.45am - 11am

Phone: 0300 300 1238

Renfrewshire Citizens Advice Bureau

A local, independent charity which provides free, impartial and confidential advice and information to give you the tools you need to sort out any issues or problems. 

  • Benefits
  • Work
  • Debt and money
  • Consumer
  • Family
  • Housing
  • Law and courts
  • Health
  • Immigration


Phone: 0141 889 2121

Renfrewshire Affordable Credit Alliance (RACA)

RACA is made up of a variety of organisations including credit unions, banks, Renfrewshire Council and more in order to help you access fair and affordable forms of credit.

  • Credit unions
  • Banks and bank accounts
  • Other credit sources
  • Advice
  • Credit ratings


My Credit Union Renfrewshire

Your one stop shop for:

  • Gleniffer Credit Union
  • Johnstone Credit Union
  • Renfrewshire-Wide Credit Union
  • Scotwest Credit Union
  • White Cart Credit Union


Published: Monday 20 January 2020