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 againOn this page you can find:
All of the services below are free, confidential and hold a standard or membership code accredited by the Money and Pensions Service.
The Money and Pensions Service has developed a set of quality requirements for the delivery of debt advice. All services listed on this page meet these standards. This excludes debt advice services in Scotland, Wales and Northern Ireland which are still free and confidential but may not hold a standard or membership code accredited by the Money and Pensions Service.
Online debt advice services
Online services are secure and you can get immediate, personalised help. Some services are available 24 hours a day.
-
PayPlan
-
PayPlan's online debt solution tool, PlanFinder, can give you a personalised debt solution in as little as 15 minutes. They also offer free live chat and email support for immediate help.
Financial Wellness Group
-
Financial Wellness Group provides free advice and solutions for people struggling with money, debt and budgeting. We have 27+ years experience supporting people to find a route to become debt free.
-
Debt Advice Foundation
-
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
StepChange Debt Charity
-
Our online advice tool has helped over 1.7m people. Create a budget and get a personal action plan with practical next steps. Get free help from the UK's leading debt charity.
-
National Debtline
-
National Debtline offers free debt advice online through its digital advice tool and its web guides, fact sheets and sample letters.
Telephone debt advice services
You can speak directly with an expert adviser. Telephone services are usually available weekdays, evenings and Saturdays.
-
PayPlan
PayPlan's supportive, non-judgemental team of advisers help thousands of people beat their debts every year, and treat all of their calls with the strictest confidence.
Money Adviser Network
The Money Adviser Network offers free telephone debt advice backed by the Money Advice Service. Provide your contact details in confidence and we’ll connect you with a qualified and regulated money advice provider so you can get back on track.
-
National Debtline
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.
Financial Wellness Group
Financial Wellness Group provides free advice and solutions for people struggling with money, debt and budgeting. We have 27+ years experience supporting people to find a route to become debt free.
-
Youth Legal and Resource Centre
No advice provided for Wales
StepChange Debt Charity
Call the UK's leading debt charity. We help change the lives of thousands of people every week. Get free, confidential advice and practical solutions to help you deal with your debts.
-
Debt Advice Foundation
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
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 and have personal or business debts, contact the free advice service in your area: Business Debtline (England and Wales), Business Debtline (Scotland) or Advice NI Business Debt Service (Northern Ireland).
Spotted an error? Let us know.
While we try to ensure this information is accurate and up to date, we cannot be responsible for any inaccuracies in the information. The MoneyHelper takes no responsibility and is not liable for any advice given by third parties.