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Free Debt Help

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If you are having problems managing your finances or meeting payments there are a number of organisations that provide free, impartial advice, including:

 

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National Debtline logo
National Debtline is a debt charity providing free, confidential and impartial advice and a library of online resources – including an information pack, personal budget planning, sample letters and information that will allow you to determine whether you qualify for a debt relief order
 
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bld logo
Business Debtline offer debt advice for self employed people living in different parts of the country.  The charity, which is part of the Money Advice Trust (MAT), was formed in 1991 to increase the quality and availability of free, independent money advice in the UK
 
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StepChange Debt Charity is the leading debt charity in the UK providing instant online debt advice, help with budgets and personalised debt management plans tailored to your personal situation. If you would prefer to speak to an expert debt advisor you can call free on 0800 138 1111 (Monday to Friday 8am-8pm, Saturday 9am-4pm)
 
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 Debt Support Trust is a not-for-profit debt advice charity with trained, friendly debt advisors who can advise you on suitable debt solutions. We are a national debt advice charity helping people across the UK. Whether you live in England, Wales, Scotland or Northern Ireland, we can help you with debt advice
  
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My Money Steps logo My Money Steps is a free, independent and confidential online debt advice service from National Debtline. We will provide you with practical money advice you can follow step-by-step. The service can be used by anyone living in England, Wales or Scotland
 
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Christians Against Poverty logo  Christians Against Poverty are a national charity, working across the UK to lift people out of debt and poverty. They offer free debt counselling through a network of 239 debt centres based in local churches
 
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Debt Advice Foundation logo  Debt Advice Foundation is a registered national specialist  debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt
 
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 Citizens Advice Bureau
Citizens Advice Bureau, the charity for your community, aims to provide the advice people need for the problems they face and improve the policies and practices that affect people's lives.
 
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 Money Advice Scotland  Money Advice Scotland (MAS) is the national umbrella organisation which promotes the development of free, independent, impartial, confidential money (debt) advice and financial inclusion. The organisation is a registered charity, with clear charitable objectives
  
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GOV.UK logo  GOV.UK (which replaces DIRECTGOV) provides information relating to debt and legal advice
 
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The Money Advice Service logo
The Money Advice Service is an independent service set up by the Government which helps people manage their money. It is available online, over the phone, by web-chat, in printed guides, and face to face through a UK-wide network of Money Advisers