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Benefits Guides

Help with Debts

Where to get advice and support on debt


Many organisations offer free and impartial advice on debt problems. If you need help managing your debt, find out where you can get support by telephone or in your local area.

Debt advice available over the phone:


National Debtline 0808 808 4000 Mon - Fri 9am - 9pm, Sat 9.30 - 1pm


National Debtline offers free, confidential and independent help over the phone for people in England, Scotland and Wales. You can call their helpline and also download publications from their website.

StepChange Debt Charity 0800 138 1111 Mon - Fri 8am - 8pm Sat 8 - 4


StepChange has a helpline providing free, independent and impartial advice to people who have debt problems.

Payplan 0800 716 239 Mon - Fri 8am - 9pm, Sat 9am - 3pm


Payplan provides free advice on debt and budgeting, including free debt management plans and IVAs (Individual Voluntary Arrangements) without upfront fees.

Community Legal Advice (CLA) 0845 345 4345 Mon - Fri 9am - 6.30pm


If you qualify for legal aid, CLA can provide free help or legal advice over the phone for problems with debt, housing, employment, education and welfare benefits and tax credits.

Money Advice Scotland


Search here for your local free help with debts in Scotland

Debt advice available face to face


Citizens Advice Bureau (CAB)


Your local CAB is a good place to find free advice. They provide free information and advice on legal, money and other problems. You can find your local CAB in the phone book or on their website.

Shelter


Shelter offers free confidential advice on housing, debt, welfare benefits, care and health needs (including disability rights and entitlements). In England, call 0808 800 4444 if you want general advice. In Wales, call 0845 075 5005.

AdviceUK


AdviceUK is a network of independent advice centres. To find your nearest member agency, visit the AdviceUK website or call 020 7407 4070.

Your local authority


Some local authorities offer a free debt counselling service. You can check with your local authority by following the link below. You'll be asked to enter details of where you live and then taken to your local authority website where you can find out more.

Law Centres


If you're being threatened with legal action, and you're eligible for Legal Aid support, you may wish to seek free and independent advice from your local Law Centre.

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