Struggling With Debt? Where to Get Free Help
If you're struggling with debt, you're not alone — over 8 million people in the UK have problem debt. The most important thing is to seek help early. Here's a guide to the free debt advice services available in the UK.
StepChange Debt Charity
StepChange is the UK's leading debt advice charity, helping over 600,000 people a year. They offer free, confidential advice by phone (0800 138 1111) and online. They can help you create a budget, negotiate with creditors, and set up a debt management plan. Their online debt advice tool gives personalised recommendations based on your situation.
Citizens Advice
Citizens Advice offers free debt advice online, by phone, and in person at local centres across the UK. They can help with budgeting, understanding your rights, dealing with bailiffs, and applying for government support. Find your nearest Citizens Advice at citizensadvice.org.uk or call the helpline.
National Debtline
Run by the Money Advice Trust, National Debtline offers free telephone advice (0808 808 4000) and online resources. They provide sample letters for dealing with creditors, fact sheets on different types of debt, and budgeting tools. They're particularly helpful for understanding your legal rights.
MoneyHelper
MoneyHelper (formerly the Money Advice Service) is backed by the UK government and offers free, impartial money guidance. Their website has comprehensive resources on managing debt, budgeting, and understanding your options. They can also refer you to a free face-to-face debt advisor in your area.
When to seek debt advice
Seek advice as soon as possible if: you're using credit to pay for essentials like food and rent; you're only making minimum payments on debts; you're being contacted by debt collectors; you're considering borrowing to repay other debts; you're losing sleep over money worries; or you've missed payments. The earlier you get help, the more options you'll have.
Your rights if you're in debt
Under UK law, creditors must: treat you fairly and with respect; consider affordable repayment plans; not harass or threaten you; give you reasonable time to seek advice; and follow FCA guidelines on collections. If a creditor is behaving unfairly, report them to the Financial Ombudsman Service.
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Apply NowFrequently Asked Questions
Is debt advice really free?
Yes. StepChange, Citizens Advice, National Debtline, and MoneyHelper are all completely free and confidential. Never pay for debt advice — free alternatives are just as good (if not better).
Will debt advice affect my credit score?
Seeking advice itself doesn't affect your credit score. However, formal debt solutions like IVAs or Debt Relief Orders will appear on your credit file. Your advisor will explain all the implications before you commit to anything.
Should I take out a loan to pay off other debts?
This depends on your situation. Consolidating debts into a lower-interest loan can make sense, but only if you can afford the repayments and won't run up more debt. Speak to a free debt advisor before making this decision.