Advice can vary depending on where you live. Advice for other parts of the UK: Northern Ireland home Scotland home Wales home Debt and moneyHelp with debt Help with debt Start dealing with your debts Collecting information about your debts Check if you have to pay a debt Work out which debts to deal with first

Is the national debt helpline a free service?

Our guides are based on the experience of financial counsellors who provide FREE information & advice. They don’t lend money or sell you anything and work only in your interest. Financial counselling is a not-for-profit service. It’s always free and confidential.

How to get help with debt in Wales?

Wales home Debt and moneyHelp with debt Help with debt Start dealing with your debts Collecting information about your debts Check if you have to pay a debt Work out which debts to deal with first Check if you can increase your income Reducing your regular living costs

Can a charity give you Free debt advice?

National Debtline is a charity. We give free and independent debt advice over the phone and online. We will never cold call you and will not pass your personal information to other companies. Read more about avoiding fake debt advice.

When you need help with debt problems, you’ll find many companies providing advice and services. From balance transfer offers to companies offering a personal debt consolidation loan or debt settlement services, you may be overwhelmed by the number of offers that promise fast and easy help with debt problems.

How to get out of debt Citizens Advice?

Start dealing with your debts Collecting information about your debts Check if you have to pay a debt Work out which debts to deal with first Check if you can increase your income Reducing your regular living costs Check your options for getting out of debt Making a plan to pay your debts

What happens when you have a debt problem?

If you’re having debt problems you’ll find it difficult to make payments to your creditors. You may find that they contact you, and may pressure you to make payments you can’t afford. Our free debt advice could help you with this stress and worry.