You can also get free and independent money guidance and debt advice from a number of organisations. To find a debt advisor near you:
- Visit moneyhelper.org.uk/debt-advice-locator
- Call 0800 128 7777
- Send a WhatsApp message to +44 7701 342744
Debt advisors can help you manage your debt. They can assist you in communicating with any people you owe money to, and help you set up repayment plans that work for you.
You can also contact the following not-for-profit organisations directly to get free, independent advice and money guidance by phone, online, or face-to-face.
Money Advice Scotland
If you live in Scotland, visit moneyadvicescotland.org.uk to find contact details for debt advice in your local area.
Citizens Advice
For advice and information on debt and other topics, including face-to-face support, visit your local Citizens Advice centre or go to citizensadvice.org.uk.
Advice NI
If you live in Northern Ireland, phone 0800 915 4604, email advice@adviceni.net, or visit adviceni.net for debt advice.
Citizens Advice Wales
If you live in Wales, you can call Adviceline on 0300 330 1313 to speak to someone about your debts. Calls cost 12p per minute from a landline, and from 3p to 45p from a mobile – or you can visit citizensadvice.org.uk/wales/debt-and-money.
AdviceUK
Member centres offer debt advice, including specialist advice for minority communities and people with disabilities. Visit adviceuk.org.uk or phone 0300 777 0107.
Christians Against Poverty (CAP)
For free debt advice in your home, check postcode coverage at capuk.org, then call 0800 328 0006.
National Debtline
If you live in England, Wales, or Scotland, phone 0808 808 4000 or visit nationaldebtline.org for debt advice and information.
StepChange Debt Charity
For debt advice throughout the UK phone 0800 138 1111 or visit stepchange.org.
Business Debtline
Offers free and confidential debt advice to the self-employed and small businesses. Visit businessdebtline.org or call 0800 197 6026.