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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How we help

Our team of debt experts help thousands of people every week to deal with their debt problems, and get their lives back on track.

Get debt help online now

We have more than 25 years’ experience providing free, expert debt advice. We offer the widest range of practical debt solutions of any provider in the UK.

No matter how large or small your debt problem is, we can help. We'll look at your financial situation and give you expert debt advice and recommend debt solutions to suit your situation. We can also help you set up and support your chosen solution.

3 steps to getting advice and a debt solution

Whether you get advice online or over the phone, you'll follow a straightforward advice process giving you a clear picture of how to deal with your debts.

1. Tell us your situation

Give us details about your debts, income and spending and we'll help you create a budget.

2. Explore your options

You'll get a personal action plan and recommended debt solutions that suit your situation.

3. Choose your debt solution

We’ll help you get things set up and give you the support to deal with your debts, however long it’s needed.

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Our debt solutions and services

We offer a wide range of practical debt solutions and services to suit every situation. You can read more about them below.

Debt. A simple word. But it can become a big problem. We can cut it down to size. Let's start the conversation
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We can help change your debt story

Every year, we help hundreds of thousands of people resolve their problems, repay their debts and rebuild their lives. We could do the same for you.

Read our clients' stories

Frequently asked questions

If you get debt advice from us, we’ll take a look at your financial situation and recommend a debt solution based on your circumstances.

There are some solutions that write off debts, such as debt relief orders (DROs) and individual voluntary arrangements(IVAs) in England, Wales and Northern Ireland, or trust deeds in Scotland.

If you meet the criteria to apply for one of these solutions, we’ll support you through the application process.

It’s important to get free and impartial debt advice from us before going ahead with any debt solution.

Get debt help online now

We believe that nobody should pay for debt advice and have helped millions of people deal with their debt problems since 1993.

We’re a registered charity, authorised and regulated by the Financial Conduct Authority and our advice is free, confidential and impartial.

Getting advice from us won’t affect your credit rating, and you can do it anonymously if you prefer.

Ready to get help?

If you’ve been worrying about money, that’s usually a sign that you need some help.

If you tell us more about your financial situation, we may recommend solutions to help you write off or repay your debts. Or it may be you can get your finances back on track by following our money management guides and budgeting tips.

We will never share your information with anyone or pressurise you to go ahead with a debt solution.

It’s your choice, but we’re here to support you all the way.

Ready to find out how we can help you?

Read our wide range of debt information articles

Our debt information section has over 250 articles on the different types of debt, creditor action, budgeting, and ways to help you understand debt, including:

Other services we offer

We've got lots of practical budgeting and money advice on what you can do with your money including increasing your income, saving and how to keep in control of your finances.