Through our free debt helpline we help people in financial difficulty by giving free and impartial debt advice. We are the UK’s leading debt help charity, helping 620,000 people every year.
If you are struggling with your debts, there are a number of ways we can assist you and there are many different debt solutions we can help you with.
Perhaps you're worried your debts are getting out of control, or maybe you're struggling to make monthly payments on loans or credit cards. If that's the case, we are here to provide the debt advice and support you need to get your personal finances in order.
Call our debt helpline or get advice online
You can get help online using our free online debt advice tool. Tell us about your finances, we work out your budget and you get a "personal action plan" with practical debt advice.
Or, if you wish to telephone us, our debt helpline (free from all landlines and mobiles) is open from 8am to 8pm, Monday to Friday and 8am to 4pm on Saturday. You can get in touch with us by calling 0800 138 1111. (Calls may be monitored and recorded for quality and training purposes.)
How do I prepare for a debt advice call?
Gather up-to-date details about your finances, including your income, outgoings and debts. Have an idea about what you spend on:
- Housing and utility bills, including council tax
- Household services
- Food and housekeeping
- Living expenses
Additionally, collect information about your income (including benefits, pensions and tax credits), and details of your debts.
Find out more about our debt advice
Can I contact you if I'm hearing or speech impaired?
If you're hearing or speech impaired you can contact us using the Next Generation Text Service (NGTS). This replaces the older Type Talk service and lets you communicate using your computer, smartphone app or through a telephone relay assistant.
To find out more about how to use the service, please visit the NGTS website.
Online debt advice
You can also use our online debt advice service. This online service is free, confidential and easy to use. It will assess your financial situation and recommend the best debt solution for you. Our online advice is available 24 hours a day.
Get debt help now