Free, qualified debt advice is available across the UK. If you are struggling with debt, speaking to a trained adviser can help you understand your options and find the most suitable way forward.
MoneyHelper
MoneyHelper is a government-backed service offering free, impartial money guidance. You can access budgeting tools, debt guidance and information about getting help. Visit moneyhelper.org.uk or call 0800 138 7777.
StepChange Debt Charity
StepChange offers free debt advice and debt management plans for people struggling with debt. They can help you understand your options and, where appropriate, set up a repayment plan. Visit stepchange.org or call 0800 138 1111.
National Debtline
National Debtline provides free, independent debt advice by phone and online. They can help you understand your rights and options. Visit nationaldebtline.org or call 0808 808 4000.
Citizens Advice
Citizens Advice offers free, impartial advice on debt and many other issues. You can visit a local Citizens Advice office, use their online guidance or call their helpline. Visit citizensadvice.org.uk.
When to contact a debt adviser
- You are struggling to make minimum payments
- You are missing payments
- You are using credit to pay for essentials
- You feel overwhelmed by multiple debts
- A creditor has contacted you about debt collection
How Ask Fin fits in
Ask Fin provides general educational support and helps you understand your money position. It does not replace qualified debt advice. If your situation is serious, please contact one of the free services above first.
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Ask Fin provides general guidance and educational support. It does not replace regulated debt advice. If you are struggling with debt, please contact a free debt advice charity.