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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Free debt advice: what if I need help with 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.

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Gather up-to-date details about your finances, including your income, outgoings and debts.


Use our online debt help tool to get advice now. Complete your advice session at your own pace.


Prefer to talk? Use our budget form before calling 0800 138 1111. A call takes around 40 minutes to complete.

Free, expert debt help and advice

Our team of debt experts help 650,000 people a year to deal with their debt problems. With more than 25 years' experience, you can be confident that our advice is always based on what's best for you.

Our advice is free, impartial and confidential and we tailor our advice to your situation. We also provide a range of managed debt solutions and all the advice and support you need to help you deal with your debts.

Preparing for debt advice

To make sure the advice and solutions we offer are correct and tailored to your situation, we need to know more about your financial situation.

Our online debt advice tool guides you through everything we need to know about your situation. If you need more time you can save your progress and complete it later.

If you'd prefer to get advice over the phone, we recommend gathering information about your finances, including income, outgoings and debts, before you call us and having them to hand.

Frequently asked questions

We recommend collecting details about your living costs and the amount you pay towards any arrears, for costs like:

  • Housing and utility bills
  • Household services
  • Travel
  • Food and housekeeping
  • Living expenses

You can put these details together in a useful form. Find out more about what to include in an income and expenditure form and download a budget template to help you get that information together.

Then collect information about your income (including benefits, pensions and tax credits), and details of your debts.

If you know who you owe money to, you can contact creditors for up-to-date debt balances. If you're unsure, you can get a copy of your credit report from one of three credit reference agencies:

These are private companies that hold details about your debts and credit history. Most of these companies offer a free service or a trial, but you can also request a paper copy of your credit file for £2 each.

If your debts aren't on your credit file, there are other ways you can find out who you owe money to.

If you're struggling to complete your budget form or need extra assistance, please call us on 0800 138 1111 and our advisors will be able to help. If possible, have details about your income, outgoings and debts ready when you call.

If you’re self-employed, living in England, Wales or Scotland and looking for help with your debts, please contact Business Debtline

They offer specialist help to the self-employed, including advice on tax implications, court proceedings and business liabilities. They’ll also be able to help with any personal debts.

Call them on 0800 197 6026. They’re open Monday to Friday 9am to 8pm.

If you live in Northern Ireland, please contact Advice NI who offer free and impartial advice for Sole Traders, Partnerships and Limited Companies.

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

We understand that most people will want a debt solution that will mean staying in their home. There are several debt solutions that won't affect assets such as your home and any equity it may have.

If you're insolvent and can't afford to repay your debts in a reasonable time, some of the debt solutions available might require you to sell your home, remortgage or release some of the equity, depending on your individual situation.

However, during your debt advice session you'll be told about the risks associated with each available debt solution, so you can make an informed choice that's right for your situation.

Everything you need to know about debt

Our debt information section has lots of advice on what creditors can do and the different types of debts, including:

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