We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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Day 4: It’s time to get help with your debts

It’s now day 4 of your 7 Days, 7 Ways journey. You’ve sorted your paperwork, you now understand what your priority debts are, and you’ve started putting a budget together. Today we’re going to look at getting the debt advice you need.

If you’re feeling nervous, don’t worry. This is normal. We speak to thousands of people every day, and many of them feel anxious, sad or stressed about their debt problem. Please remember that getting debt advice is a hugely positive step, and that you’re not alone.

Now, grab yourself a cuppa and the budget template you put together yesterday. It’s time to get started!

Today’s tasks…


Task 1: Call us, or use our online debt advice tool to work out the best debt solution for you

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Task 2: Do some research on different debt solutions that may be available

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Task 3: Get help if you don’t have a debt problem but you’re struggling with making minimum payments on your debts

Task 1: How do I get free advice about my debts?

Our expert advice helps you deal with your debts and get the support you need. You can get advice online or over the phone, and we'll recommend a range of practical debt solutions based on your situation. We’ll also give you the pros and cons of each, so you can choose a solution that best fits your circumstances.

Getting the advice you need

Hannah talks you through the debt advice process in our video.

How do I use your online debt advice tool? 

Our online service offers the same expert advice as you would receive using our telephone service.

  • You’ll be given a reference number. You can use this to log in and out of the online debt advice tool 
  • You just need to input the figures from the budget you’ve put together 
  • Once this is done, you’ll be recommended a debt solution and given information on other solutions that may be available to you 
  • The service is completely confidential 
  • You’ll have support via email and livechat as you go through your budget
  • A debt advisor will go through your budget with you over the telephone. This normally takes around 40 minutes 
  • The advisor can also give you helpful information on any emergency situations you’re dealing with, such as contact from bailiffs 
  • When you complete your debt advice session, the advisor will recommend a debt solution for you and give information on other solutions you could consider 
  • If you can’t complete your debt advice session, don’t worry. You can call back when it’s convenient and quote your reference number 
  • The advisor can then help you complete your debt advice session and look at debt solutions with you 
  • Anything you tell the advisor is kept completely confidential

Task 2: How do I find out more about different debt solutions?

Once you’ve had an advice session, either online or over the phone, you should soon receive an advice booklet. We'll send you this by email or post, depending on what you prefer. In the meantime, you can read general information about debt solutions on our website.

Visit our Debt Information section to learn more about the debt solutions we offer

Task 3: I’m struggling with minimum payments on my debts – what can I do?

While you may not think you have a debt problem, you may have credit cards, catalogues or store cards that you need to pay off.

If you’re currently paying the minimum on these debts each month, you may only be paying the interest, rather than the balance itself. If this continues for 18 months, your creditor may write to you to tell you that your balance is in ‘persistent debt’.

When a debt is persistent, it means that there hasn’t been much progress in paying it off over an extended period of time, despite your best efforts.

So, even if you don’t have a debt problem right now, it’s a good idea to look at your budget and find out what you’ve got left over each month. You can look at how much extra you could pay towards your credit cards, catalogues or store cards to get out of persistent debt.

Our dedicated team can help you explore your options. You can call them on 0300 303 2517. They’re available Monday to Friday 9am to 5pm. You can also read our factsheet for more information and ideas on how to deal with persistent debt.

For now, go do something fun. You’ve earned it!