Free debt advice
Free, impartial debt advice is available across the UK. Here are the main free debt advice services, what they can help with and how to contact them.
Free, confidential debt advice is available to everyone in the UK. These services don’t charge you, and they can help with bailiffs, Breathing Space, Debt Relief Orders and all other debt options.
You can use any of these services instead of, or as well as, our service.
Free debt advice services
MoneyHelper
MoneyHelper is provided by the Money and Pensions Service, which is backed by the government. Its debt advice locator helps you find free debt advice online, by phone or face to face.
Find free debt advice with MoneyHelper
StepChange Debt Charity
A national debt charity offering free advice online and by phone, including help with Breathing Space, Debt Relief Orders and debt management plans.
National Debtline
Free, independent debt advice by phone and online for people in England, Wales and Scotland, run by the Money Advice Trust.
Business Debtline
Free debt advice for self-employed people and small business owners, also run by the Money Advice Trust.
Citizens Advice
Free, confidential advice on debt and many other problems, online, by phone or at local offices.
Christians Against Poverty (CAP)
A charity offering free, face-to-face debt help to people of any faith or none.
Scotland and Northern Ireland
- In Scotland, you can also contact Citizens Advice Scotland or Money Advice Scotland.
- In Northern Ireland, you can contact Advice NI.
Read our Scotland and Northern Ireland guide for how the rules differ.
Mental health and debt
If debt is affecting your mental health, the Money and Mental Health Policy Institute has guidance, and a debt adviser can apply for mental health crisis Breathing Space if you’re receiving crisis treatment. If you’re in crisis right now, call Samaritans free on 116 123 (24 hours a day) or NHS 111.
Using our service instead
If you’d prefer, you can answer a few questions and we’ll introduce you to an FCA-authorised debt advice firm. We are not a debt advice provider and we do not give debt advice. With your permission, we introduce you to an FCA-authorised debt advice firm that can discuss your situation and your options. We may receive a fee from that firm for the introduction. This does not affect the advice you receive or what you pay.