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Where to get free debt advice

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.

How will a debt adviser help you?

A debt adviser will:

  • never judge you or make you feel bad about your situation
  • always be happy to talk to you, however big or small your problem might be
  • find ways to manage your debts even if you think you have no spare money
  • suggest ways to deal with debts that you might not know about

Did you know?

Most people who have got debt advice tell us they feel less stressed or anxious and more in control of their life again

On this page you can find:

All of the services below are free, confidential and hold a standard accredited by the Money Advice Service. ?

Online debt advice services

Online services are secure and you can get immediate, personalised help. Some services are available 24 hours a day.

  • National Debtline

    • www.mymoneysteps.org
    • National Debtline offers free debt advice online through its My Money Steps tool and its web guides, fact sheets and sample letters.

    Citizens Advice Web Chat

    • www.citizensadvice.org.uk
    • Citizens Advice offers free, independent, confidential and impartial debt advice through their web chat service.

  • StepChange Debt Charity

    • www.stepchange.org
    • StepChange Debt Remedy provides you with the expert advice, budget support and solutions to help you manage your debts.

    Debt Advice Foundation

    • www.debtadvicefoundation.org
    • Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.

  • PayPlan

    • www.payplan.com
    • PayPlan’s online services include free, confidential online chat with debt help experts, a debt help request form, and a wealth of online resources.

Telephone debt advice services

You can speak directly with an expert adviser. Telephone services are usually available weekdays, evenings and Saturdays.

  • National Debtline

    • www.nationaldebtline.org
    • 0808 808 4000
    • National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.

    PayPlan

    • www.payplan.com
    • 0800 280 2816
    • PayPlan provides the debt advice and support to enable you to take charge of your finances and focus on living again.

  • StepChange Debt Charity

    • www.stepchange.org
    • 0800 138 1111
    • StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.

    Debt Advice Foundation

  • Debt Counsellors Charitable Trust

Face-to-face and local services

Search for a debt advice service near you. You can then set up a face-to-face appointment and speak to an expert adviser in person.

Where shown, some local services can also provide debt advice by phone.

If you are self-employed or run a small business please click here

Spotted an error? Let us know.

Whilst we try to ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information. The Money Advice Service takes no responsibility and is not liable for any advice given by third parties.

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