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
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.
The Consumer Credit Counselling Service offers advice face to face in ten regional centres, as well as by telephone and online.
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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