What we do

Our advice process

You can get debt advice from us online or over the phone. Either way we'll follow a simple, three-step process to deal with your debt:

1. We’ll help you work out your budget, income and debts
2. We’ll use this information to find a solution to your debt that suits your situation
3. We’ll set up your debt solution, and offer support however long it's needed

How we're funded

We're only able to do what we do because we're funded almost entirely by voluntary donations from creditors, which include banks, the government and loan companies. With their financial support, our highly trained advisors provide free and impartial debt advice to thousands of people every week.

Whether it’s campaigning to prevent problem debt, offering advice, managing repayment plans or supporting people through a process leading to debt relief, it’s only possible thanks to the donations that we receive.

What we promise our clients

We'll work with you to resolve your debt problems. We don't make judgments on the causes of your debt problems, instead we'll work with you in a sympathetic and supportive manner.

We'll undertake an in-depth look at your financial position, discuss possible solutions and recommend a way forward.

If you can afford to repay your debts in a reasonable period of time, we'll recommend a repayment solution. If it's not possible for you to repay them in a reasonable amount of time, we'll recommend an insolvency option. If we support you with a long-term plan, we'll review your situation at least annually, to make sure your solution is still the right thing for you.

We'll never charge you for the advice we provide. We'll communicate with you in a clear, honest, accurate, regular and timely manner.