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).
Debt. A simple word. But it can become a big problem. We can cut it down to size. Let's start the conversation

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

Best Financial Support Provider: Consumer Credit Awards 2021

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

Whether you choose to go through our online tool, or we speak to you on the phone, we recommend you prepare for your debt advice session. It helps if you can gather details about:

  • The money you have coming in, for example your wages, benefits, pension payments or tax credits
  • Your regular living costs, such as your rent or mortgage, what you need to spend on food, travel and insurance, among other things
  • How much money you owe and who you owe money to, including any interest, fees and charges

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’re struggling to keep on top of.

It’s important to be as accurate as possible, but we won’t ask you to send us any documents, at this stage, to get a recommendation for the best solution for your situation.

Ready for debt advice?

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

We’ve helped more than 5 million people since 1993 and have more than 12,000 five-star Feefo ratings from our clients. Find out how we help, in our clients’ own words.

We know that many people prefer not to call, or are unable to. That’s why you can complete a full debt advice session online, from budgeting through to selecting a solution.

In some cases, you can even submit all your documents online so we can set up your solution quickly. We’re also on hand to answer your questions through our webchat service. Find out more about ways to contact us.

At the end of your debt advice session you’ll be sent your ‘personal action plan’. This will explain how to apply for your debt solution, if one is recommended to you, as well as providing practical tips on managing your budget and dealing with your creditors.

To go ahead with a debt solution, there will be an application process to complete – we can support you with this.

Ready for debt advice?

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 provide debt advice and solutions for people living in England, Scotland, Wales and Northern Ireland.

While some solutions, such as debt management plans, are available in all these countries, we also have specialist teams who deal with IVAs and DROs (in England, Wales and Northern Ireland), and trust deeds and the Debt Arrangement Scheme (in Scotland).

Looking for debt advice in the Republic of Ireland? Sorry, we’re not able to help you. If you live in the Republic of Ireland, please contact the MABS helpline on 0761 07 2000. They’re open Monday to Friday, 9am to 8pm.

Read our guide to dealing with UK debts from abroad.

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:

Male debt advisor talking with a headset on

Chat with an advisor now

Use live chat to talk to us about debt advice. Mon-Fri 8am-6pm.
This service is optimised for desktop and tablet devices.

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 help

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