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).
mother and son on sofa

Free online debt advice and money guidance

If you're worried about your finances, we're here to help.

If you're worried about your finances or you're struggling to pay your bills, you're not alone. The disruption caused by coronavirus (COVID-19) has affected many people's incomes, leaving them with less money coming in, but with debts and bills to pay. We're here to help.

As the UK's leading debt charity, we can give you practical advice and support tailored to you. We offer a range of solutions and services to help you take control of your finances and will support you for as long as you need us.


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check iconThe recommendations we make are tailored to you

Need debt advice?

If you're struggling because you've lost control of your financial situation and your debts are spiralling, get free online debt advice tailored to your individual circumstances.

Get debt advice

Not sure what to do?

If you're worried about money but aren't sure if you need full debt advice, take two minutes to answer a few simple questions and we'll find you the right help for your situation.

Start here

Why choose us?

With more than 25 years' experience, you can be confident that we can provide the advice and support you need to achieve long-term financial control. We help thousands of people like you each week by taking an independent and non-judgemental look at your finances.

  1. Our advice is completely free 
    100% of the money you pay goes towards your debts
  2. Our advice is designed to help you
    We put your interests first, whether you get help online or on the phone
  3. Our advice is confidential and non-judgemental
    We're here to support you, whatever the reasons for your money worries

Frequently asked questions

Our online debt advice tool will give you advice based on your circumstances, including where you live in the UK, and recommend a solution. Common debt solutions include:

  • debt management plans (DMP)
  • individual voluntary arrangements (IVA)
  • bankruptcy
  • debt relief orders (DRO)

If you live in Scotland you may also be recommended a:

  • trust deed, or
  • debt payment plan via the Debt Arrangement Scheme (DAS)

Our advice is based on the following: If you can repay your debt in full over a reasonable period of time, we'll recommend a debt solution based on repayment over an insolvency solution. 

An insolvency solution may write off some or all of your debt, but it may also have a more detrimental impact on different areas of your life. This may include your chances of obtaining future credit or any assets such as your home or car.

We’ll advise you of your recommended solution, and also inform you of other solutions that are appropriate to your circumstances. This may include debt solutions that we cannot provide for you and where this is the case, we’ll inform you of other sources of information and help.

Our online debt advice tool offers the same expert advice as you would receive using our telephone service. We’ll help you to create a personal budget and take details of your debts. We’ll then use this information to work out your options. You’ll get a personal action plan explaining what to do next.

After you’ve completed online debt advice you'll get a personal action plan, giving you clear and practical advice about how to deal with your debts. We’ll also provide simple steps for you to follow to get things started. This will include instructions on how to deal with your creditors while you’re getting things set up.

If you're currently on an informal debt solution such as a debt management plan (DMP) with another provider then you’re welcome to use our debt advice tool.

If you currently have an individual voluntary arrangement (IVA) or trust deed we recommend you talk to your insolvency practitioner before getting debt advice. This is because you’ve signed up to a legally binding agreement. They’ll be able to review your situation if you can’t afford the monthly payments or talk you through your options if you think it’s no longer the right solution for you.

Carol never thought it'd happen to her

“Until you’ve been in that situation yourself you can't appreciate how easy it is to lose control in a very short space of time.”

Carol's story