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Free debt help in the UK
If you are struggling to pay what you owe, you can get free, impartial advice. You do not need to pay a company to sort out your debts.
Free services
- MoneyHelper: government-backed, free and impartial guidance on money and debt, with a debt advice locator to find a free adviser.
- StepChange Debt Charity: free debt advice and help setting up solutions, by phone or online.
- Citizens Advice: free, confidential advice on debts and money, in person, by phone or online.
There are other free providers too, such as Money Advice Plus and local advice agencies, and Scotland has its own organisations and debt options. The debt advice locator on MoneyHelper helps you find the right one.
Before you call
It helps to gather a list of what you owe and to whom, your income and your main outgoings. Do not worry if you do not have everything; advisers can help you work it out.
Options an adviser may explain
- Talking to creditors about a payment plan or a pause.
- Debt management plan (DMP): an informal arrangement to repay at an affordable level.
- Debt relief order (DRO): for people with low income and few assets, in England, Wales and Northern Ireland.
- Individual voluntary arrangement (IVA): a formal agreement with creditors.
- Bankruptcy: a formal process with serious effects.
- Breathing Space: a legal scheme in England and Wales giving up to 60 days' protection from creditors taking enforcement action or adding interest and charges, while you get advice. It is arranged through a debt adviser.
Each option has pros and cons and affects your credit file, which is why impartial advice matters.
Avoid paying for debt help
Some firms charge fees for services you can have for free. A firm that is authorised may charge, but it should explain this clearly. Check it on the FCA register (how to check). Be wary of cold calls and adverts promising to write off debts.
Priority debts
Some debts have more serious consequences if unpaid, such as rent or mortgage, council tax, energy bills and some fines. An adviser can help you decide how to prioritise them.
Mental health and money
Money worries can affect health. If you feel overwhelmed, speak to your GP or Samaritans on 116 123 (free, any time).
Related pages
See loan sharks if you have borrowed from an illegal lender, and your rights for complaints about how a lender has treated you.
What happens when you contact an adviser
A typical first conversation looks at your income, essential spending and debts. The adviser will explain the options that suit your circumstances, including the downsides, and will not pressure you. You stay in control: you can take time to think, and nothing is agreed without your say. Advisers can also check whether you are missing out on benefits or support, and many can help you write to creditors.
Questions to ask any debt adviser
- Are you free, or will I be charged at any stage?
- Are you authorised by the FCA, and can I see your register entry?
- What are the downsides of each option you suggest?
- Will you explain the effect on my credit file and my home?
A good adviser answers these plainly. Be cautious of anyone who rushes you into signing.
This is general information, not financial advice. We're not a lender or broker and don't arrange credit.
Frequently asked questions
Is debt advice really free?
Yes. MoneyHelper, StepChange and Citizens Advice provide free advice. You should not need to pay.
What is Breathing Space?
A scheme in England and Wales that can give you up to 60 days of protection from creditor action while you seek advice.
Will asking for help hurt my credit file?
Getting advice does not. Some debt solutions do affect your credit file, which an adviser can explain.