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Free Debt Advice

Facing up to debt can be a tough process. But there is lots of free, confidential help and advice available.

Citizens Advice Bureau provides free, independent and confidential advice in terms of debt, money, benefits, housing, legal, discrimination, employment, immigration.
Find your local bureau or get advice online

StepChange Debt Charity
provides free and anonymous advice over the phone and online. They provide free debt management plans and other debt solutions. So, if you have any queries in terms of debt and money, bankruptcy, Individual Voluntary Arrangements (IVAs), debt relief orders (Insolvency Service approved), trust deeds, the debt arrangement scheme, bailiffs, charging orders, employment, benefits, money management, mortgage or repossession support, call on 0800 138 1111 (Monday–Friday, 8am–8pm; Saturday 9am–3pm) or visit their website

National Debtline provides a free, confidential and independent helpline for people with debt problems in England, Wales and Scotland. They give expert advice over the telephone and via email, and will send you a free self-help information pack.
Phone National Debtline free on tel 0808 808 4000 (Monday–Friday, 9am–9pm; Saturday 9.30am–1pm).
For debt advice and information, visit the website

National Debtline’s My Money Steps website is a secure, confidential and free online self-help debt advice service. My Money Steps can help you to work out a budget and give you personalised advice about the options available to you.
National Debtlin's My Money Steps website

Debt Advice Foundation offers free, confidential support and advice to anyone worried about loans, credit and debt. Expert advice is available via a free telephone helpline or online.
Call the free Debt Advice Foundation helpline on 0800 043 40 50 (Monday–Friday, 8am–8pm; Saturday 9am–5pm).
For information on debt solutions and tools to help with budgeting and debt, go to the website

Christians Against Poverty (CAP) is a national debt counselling charity with 252 centres based in local churches across the UK.
They are ready to help with debt, money management, budgeting, and paying bills through a CAP account.
To find all the services in your area offered by Christians Against Poverty – and to sign up to one of their money courses – go to their website

Civil (Community) Legal Advice
can provide free and independent help for anyone who qualifies for legal aid in England and Wales. However, that debt problems only qualify for legal aid if you’re at immediate risk of homelessness.
If you have some problems with family, debt, benefits, housing, education or employment, call on 0845 345 4 345 (Monday–Friday, 9am–8pm; Saturday, 9am–12.30pm).
Read more

Payplan is an advice organisation that provides free, confidential and independent advice over the phone and online.
They can help you with money management, debt and debt solutions such as debt management plans, Individual Voluntary Arrangements (IVAs), bankruptcy, debt consolidation, mortgage arrears, etc.
Call on 0800 280 2816 (Monday–Friday, 8am–9pm; Saturday, 9am–3pm)
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Shelter is a housing charity offering confidential advice on a range of financial issues. There are people who are ready to hep with housing, debt, benefits, care, health, disability, prisoners/ex-offenders, council housing, property repairs, family, neighbourhood issues, eviction and homelessness.
Call free on 0808 800 4444 (Monday–Friday, 8am–8pm; Saturday–Sunday, 8am–5pm)
Read more about Shelter

Business Debtline
is a charity helpline that offers free, confidential and independent advice to self-employed people in England, Wales and Scotland on how to deal with debt problems.
Self-help advice with supporting written pack and factsheets and assistance in accessing appropriate repayment or insolvency options. Call on 0800 197 6026 (Monday to Friday - 9a.m. - 5.30p.m.)
Read more about Business Debtline


The Money Advice Service helps people manage their money. They do this directly through their own free and impartial advice service. They also work in partnership with other organisations to help people make the most of their money. They are an independent service, set up by government.
Call on 0300 500 5000
Read more about the Money Advice Service