There are a number of organisations that are specialists in helping people in financial difficulties. Below are a sample of organisations who all offer free help and advice. Other organisations are also available that may better suit your needs.
Debt help charities and organisations
StepChange Debt Charity
StepChange is a debt charity which provide debt solutions and advice services. They can help you by advising and setting up a number of different solutions to help manage your debts, including DMP, DRO, IVA, Bankruptcy advice, covid advice, DAS, trust deeds, mortgage advice.
- Impartial debt advice and solutions
- Take a quick money health check to see how StepChange can help
- Support available online 24/7 and by phone.
0800 138 1111
Monday to Friday 8am - 8pm
Saturday 8am - 4pm
Webchat available 9am - 5pm
PayPlan
PayPlan offer free debt help and advice, with solutions including free debt management Plans. Other solutions include IVAs, trust deeds and bankruptcy.
0800 280 2816
Monday to Friday 8am - 8pm
Saturday 9am - 3pm
BSL available
turn2us
turn2us is a registered charity that helps people in financial need to access welfare benefits, charitable grants and financial help.
0808 802 2000
Monday to Friday 9am - 8pm
Text Relay service available
Money Advice Plus
Money Advice Plus provide welfare benefit and debt advice services, including casework, by phone to people who have money and debt difficulties.
0808 196 3699
Monday to Friday 9:30am - 1pm and 2pm - 5pm
National Debtline
National Debtline is a debt advice charity run by the Money Advice Trust. They are a free and confidential debt advice service for people in England, Wales and Scotland.
0808 808 4000
Monday to Friday 9am - 8pm
Saturday 9:30 - 1pm
Web-chat available
Business Debtline
Business Debtline is a charity run by the Money Advice Trust. They are a free debt advice service for the self-employed and small businesses in England, Wales and Scotland.
0800 197 6026
Monday to Friday 9am - 8pm
MoneyHelper
MoneyHelper is a free and impartial service provided by the Money and Pensions Service.
- Budger planners
- Mortgage calculators
- How to save
- Work and benefits advice
- Links to some face-to-face experts.
0800 138 7777
Monday to Friday 8am - 6pm
Typetalk: 18001 0800 915 4622
Webchat available
Citizens Advice
Citizens Advice offer debt solutions and advice services.
- Budgeting
- Rent arrears
- Debt Management Plans
- Debt Relief Orders
- Individual Voluntary Arrangements
- Bankruptcy advice
- Debt Arrangement Schemes
- Trust deeds
- Mortgage advice
- Family law
- Housing advice.
0800 144 8848
Monday to Friday 9am - 5pm
Webchat available
Christians Against Poverty
Christians Against Poverty is a national organisation specialising in debt counselling for people in financial difficulty, including those in need of bankruptcy or insolvency. They are able to provide face-to-face support in many locations across the UK.
01274 761999
Monday to Friday 9am - 5pm
Money Wellness
Money Wellness offer free debt advice.
moneywellness.com/free-debt-advice
0161 518 8282
Monday to Friday 9am - 8pm
Debt Advice Foundation
Debt Advice Foundation are a specialist debt charity offering free, confidential advice on any aspect of debt.
08000 434 050
Monday to Friday 8am - 6pm