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Debt advice – help is at hand

Debt advice is where you get help from people in dealing with your debt. They can help you talk to people you owe money to and set up a repayment plan you can stick to.

People that access advice resolve their issues more quickly than those that don’t and hundreds of thousands get free debt advice every year.

Whatever your situation, debt advice can help. Your first port of call should be MoneyHelper’s Debt Advice Locator Tool:
www.moneyhelper.org.uk/debt-advice-locator or 0800 138 7777 for telephone or +44 7701 342744 for WhatsApp chat.

Get Impartial Advice

You can also contact the following not-for-profit organisations directly for free, non-judgemental and impartial debt advice through telephone, online and face to face channels:


For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyhelper.org.uk or phone 0800 138 7777.

Money Advice Scotland

If you live in Scotland, visit www.moneyadvicescotland.org.uk to find contact details for debt advice in your local area.

Citizens Advice

For advice and information on debt and other topics, visit your local Citizens Advice or go to www.citizensadvice.org.uk

Advice NI

If you live in Northern Ireland, phone 0800 915 4604, email advice@adviceni.net or visit www.adviceni.net for debt advice

Citizens Advice Wales

If you live in Wales, you can call Adviceline on 0300 330 1313 (calls are charged) if you want to speak to someone about your debts or visit www.citizensadvice.org.uk/wales/debt-and-money


Member centres offer debt advice including specialist advice for minority communities and people with disabilities – www.adviceuk.org.uk or phone 0300 777 0107.

Christians Against Poverty (CAP)

For free debt advice in your home, check post code coverage at www.capuk.org then call 0800 328 0006.

National Debtline

If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information.

StepChange Debt Charity

For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org

Other Useful Organisations

Civil Legal Advice

You may get legal aid if your home is at risk. Check at www.gov.uk/civil-legal-advice or phone 0845 345 4345

Financial Ombudsman Service

If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help – phone 0300 123 9123 or 0800 023 4567 or visit www.financial-ombudsman.org.uk


Call 116 123 or email jo@samaritans.org to get help if you’re struggling to cope with things. The Samaritans can’t offer debt advice, but they can provide free and confidential help and wellbeing support to those in distress 24 hours a day, 365 days a year.