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What people tell us about how free debt advice helped them deal with creditors

“I was frightened to speak to my creditors. There are people who do it for you, like StepChange and Citizens Advice and it takes the stress off you…”

If you're having trouble paying off your credit cards or loans, here's what you can do:

  1. Speak to the people you owe money to as soon as possible. They may agree to you making smaller repayments until your financial position improves.

  2. Make sure you know your rights. If you’re struggling to pay back a loan or credit card, your lender has to treat you fairly and with consideration. In particular, they should also allow you reasonable time to repay the debt. This may include freezing their interest and charges or agreeing a repayment plan with you.

    A free debt adviser can help you with this and advise you on your rights and options. Find a free debt adviser now.

  3. Use our Budget planner so you can track your income and your spending.

  4. Prioritise your bills and agree to repay what you can afford. Read our guide How to prioritise your bills.

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  • Monday to Friday, 8am to 6pm
  • Saturday, 8am to 3pm
  • Sunday and Bank Holidays, closed

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  • Need help sorting out your debts, have credit questions or want pensions guidance?
  • Add +44 7701 342744 to your Whatsapp and send us a message.
  • For everything else please contact us via Webchat or Telephone.


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Give us a call for free and impartial money advice.

0800 138 7777


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  • Monday to Friday, 8am to 6pm
  • Saturday, Sunday and Bank Holidays, closed