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.
Free debt help services in the UK
All four services below are free, confidential and staffed by trained debt advisers. They do not charge for their help.
MoneyHelper
Government-backed free money guidance. Budgeting tools, debt guidance and information about getting help.
0800 138 7777
StepChange Debt Charity
Free debt advice and debt management plans. Can help you understand your options and set up a repayment plan.
0800 138 1111
National Debtline
Free, independent debt advice by phone and online. Helps you understand your rights and all available options.
0808 808 4000
Citizens Advice
Free, impartial advice on debt and many other issues. Visit a local office, use online guidance or call the helpline.
0800 144 8848
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.