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Free debt advice contacts

If you're struggling with debt, these national organisations offer free, impartial help and advice.

In this article
Coronavirus (COVID-19) debt help update Free debt advice organisations Business debt advice
Other useful contacts Should I use a debt management company? Get top money-saving tips from Which?

Coronavirus (COVID-19) debt help update

If you're self-employed, are employed but have been 'furloughed' by your employer or are reliant on benefits, you may be worried about how you can afford to live on a reduced income.

The government has announced changes to Universal Credit thresholds and allowances to help people that fall into financial hardship as a result of the coronavirus. It also has set up measures designed to help those who are self-employed. 

You can find more of the latest updates and advice over on our dedicated Which? coronavirus information hub.

Free debt advice organisations

Citizens Advice England and Wales – see website or telephone directory for regional telephone numbers

Citizens Advice Scotland – see website or telephone directory for regional telephone numbers

Citizens Advice Northern Ireland – see website or telephone directory for regional telephone numbers

National Debtline – 0808 808 4000. National Debtline also offers a free online service, My Money Steps.

StepChange Debt Charity – 0800 138 1111

Debt Action NI – 0800 917 4607

Debt Advice Foundation – 0800 043 4050

Debt Support Trust – 0800 085 0226

Payplan – 0800 280 2816

Community Money Advice – 01743 341929

There are also other organisations that offer free advice. Many offer localised face-to-face advice.

Remember: if a debt-advice organisation is unable to offer you a free debt solution that matches your personal circumstances, ask for a referral to a free alternative.

Business debt advice

Business Debtline – 0800 197 6026

Other useful contacts

Financial Ombudsman Service – 0800 023 4567

JobCentre Plus – see website or telephone directory for query-specific telephone numbers

The Insolvency Service – 0300 678 0015

Samaritans National Helpline – 0845 790 9090

Should I use a debt management company?

There is plenty of free and independent advice for people struggling with debt.

National Debtline offers mainly telephone-based free advice. It also runs a free online service called My Money Steps.

Face-to-face advice is provided by Citizens Advice and Citizens Advice Scotland.

Money Advice Scotland is an umbrella group representing debt-advice agencies across Scotland.

StepChange offers free and confidential debt advice online and by phone.

If a debt-management company fails to deal with your complaint against it, the Financial Ombudsman Service (FOS) may be able to help.

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