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).
Photo of men talking

Get debt help: Our free debt advice

We can help you find a way to deal with your debt and will support you along the way. Our free and flexible debt advice service is available online, whenever you need us, backed by our expert advisors. You are in safe hands.

Get free online debt advice you can trust

There is no impact on your credit score
Start, stop and begin again at a time that suits you

What is debt advice?

Free debt advice you can trust

We provide the UK’s most comprehensive free debt advice service. As well as advising you, we can help you set up your debt solution and support you for as long as you need us.

Our award-winning debt advice is tailored so it gives you the best chance of reducing the stress and worry you may feel while being chased for your debts. Not just right now, but in the long-term too.

  •  Fee-free debt management plans (DMPs)
  •  Free, non-judgemental advice and support
  •  Available online 24/7
  •  Start, pause and begin again when you can
  •  Expert advisors on hand if you need extra support
  •  Authorised and regulated by the Financial Conduct Authority (FCA)

We have helped millions of people since 1993 and have more than 20,000 five-star Feefo ratings from our clients.

  See what our clients think of us.

How to get debt advice from us

Gather details about your income, spending and debts.

Explore ways to reduce spending and increase income.

Turn your life around with our online debt help tool.

How it works

1. You get in touch with us

We recommend ways to deal with your debts, based on what you have told us about your situation.

The easiest way to get started is to use our online debt advice tool. If you need more time, you can pause and come back later.

2. We find out more about you

To make sure the advice and solutions we offer are right for you, we ask you to tell us about your financial situation.

We will ask you:

  • About who you owe money to and how much
  • Your wage, benefits payments and any other income you get
  • How much you need to spend on bills and other costs
  • If there is anything else you are dealing with in your life that is affecting your finances

Find out how we can adjust our service for you

3. We recommend ways for you to get back on track

After your debt advice session, we will give you your 'personal action plan'. It is up to you what to do next. We will not push you into anything.

Based on what you have told us; this plan will include:

  • Information about any debt solutions we think are right for you and how to set these up
  • A monthly budget plan so you know what you have to spend
  • Advice on taking away the strain of dealing with the people you owe money to
  • Ways you can increase your income or reduce your spending
  • What would happen if you didn't pay your debts
  • Details of organisations we work with, if you need further support

Ready to get started?

The easiest thing to do is create an account for our online debt advice service. You can pause and restart whenever you like.

Get started today

Chloe on Feefo says:

"Took away the fear."

"Very good - makes it less daunting to face my struggles with helpful and friendly advice and understanding."

Get help like Chloe

Frequently asked questions about debt advice

You can get free debt advice from charities like us who are funded to provide this advice. You should:

  • Never pay for debt advice
  • Always check the company advising you is authorised and regulated by the Financial Conduct Authority, as we are

Companies who charge for debt advice may be more interested in making money than giving you advice that is right for your situation.

You can start debt advice online with us at any time of day. If you are not sure, find out about other debt advice charities.

Yes, you can. We are a UK-wide charity and for 30 years we have helped people across Scotland from our Glasgow head office.

Find out more about how we provide debt help in Scotland.

Yes, it really is. We are supported by our funders to provide a free debt advice and support service. And that is very important to us. Since 1993, we have helped more than 7.5 million people with debt problems take back control of their finances and their lives. And none of these people paid us for debt advice.

Find out more about us.

It is up to you what you do with our advice. There is no pressure from us to do anything, but we do hope you will act on what we recommend.

Our advice is not “one size fits all”. It is based on what you have told us about yourself – your finances, your health, the people you live with and are responsible for, and if anything is likely to change.

We often recommend more than one way to deal with your debt problems, so you can make the choice about what to do next.

If you do not agree our advice is right, please check you have provided the right information.

Or if you do not like the solution we have recommended, please take some time to read more about it.

Read our debt solutions guides.

The best advice we can give you is to not ignore it. Many of our clients tell us once they took that first step and got help, their life turned around.

The best way to get debt advice is to get in touch with experts like us. Our debt advisors will help you make a list of how much you owe and ask a few simple questions to help set a manageable budget. This will help us find the best way to deal with your debt. It could be a debt solution or another way to take the pressure off.

The easiest way to get debt advice is online. You can start, pause and pick it back up again whenever you like. We will help you through the next steps and guide you along the way.

Ready for debt advice?

It helps if you can gather details about:

  • The money you have coming in. These are things like your wages, benefits, pension payments or tax credits
  • Your regular living costs. These are things like your rent or mortgage, and what you need to spend on food and travel among other things
  • How much money you owe and who you owe money to

You can get this information by checking your recent account statements, receipts and payslips. This will help us to get a clear picture of what you can afford and which payments you are struggling to keep on top of.

It is important to be as accurate as you can be. But we will not ask you to send us any documents at this point.

Ready for debt advice?

Your 'personal action plan' will tell you about the debt solution we recommend for you. It is important to understand how it works and how it can affect you.

When you have confirmed you are happy to go ahead you can follow our checklist to apply for your solution.

We will explain what you need to do next and can support you along the way.

Ready for debt advice?

Sorry we are not able to help, but you can contact other organisations across the UK.

England, Wales or Scotland:

Please contact Business Debtline. You can call them on 0800 197 6026. They are open Monday to Friday 9am to 8pm.

They offer specialist advice about:

  • Tax implications
  • Court proceedings
  • Business liabilities

They will also be able to help with any personal debts you may have.

Northern Ireland:

Please contact Advice NI. You can call them on 0800 0838 018, Monday to Friday 9.30am to 5.30pm.

They offer free and impartial advice for sole traders, partnerships and limited companies.


Everything you need to know about debt

Our debt information section has lots of advice. Our popular guides include:

 Dealing with bailiffs

 Arranging temporary payment holidays

 County Court judgments (CCJ)

 Payday loans

 Debt management companies

 Debt consolidation

 Government debts

Search our debt information guides

Not sure what to do?

Take two minutes to answer a few simple questions.

Find the right help for your situation

Are you a homeowner?

Find out what your options are if you own a home and have money worries. Read our guides.

Homeowner options

Our online debt calculators and tools: We have a number of handy tools to help you. Find out what benefits you are entitled to. See if debt consolidation is right for you and more.

Online debt calculators

Worried about rising food and energy prices? If the cost of food and heating is causing you concern, you are not alone. We can help you.

Read our cost of living guides

Feefo - Platinum Trusted Service Award 2026

Trustpilot Rated Excellent

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Helpful and non-judgemental."

"Helpful advice based on my circumstances. Website makes entering financial and personal details easy then suggests solutions to help. I always felt in control of my choices and each option is well explained. Any issues and the advisers on the phone are knowledgeable, friendly and non-judgemental. I now feel in control of my finances thanks to StepChange."

Ashton, Feefo Review