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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, confidential help and advice services available across the UK, there’s no need to use a fee-charging debt management company.

Scroll down to find help online, over the phone or face to face.

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

Online

Online services are secure and offer immediate, personalised help 24 hours a day.

  • 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.

    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.

  • 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.

Phone

Telephone services allow you to speak directly with an expert advisor and are usually open throughout the week as well as evenings and Saturdays.

  • 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.

    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.

  • Debt Advice Foundation

Face-to-face and local services

Search for a debt advice service near you. Local debt advice providers allow you to set up a face-to-face appointment to 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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