Free Debt Advice
Expert, confidential help that never costs you a penny.
If your debts are getting on top of you, you don't have to sort it out alone, and you never need to pay for help. The UK has a well-established network of free debt advice services, staffed by trained advisers who deal with situations like yours every day.
Where To Get It
- MoneyHelperGovernment-backed money guidance, including a search for free advisers in your area
- StepChangeA debt charity offering advice online and by phone, plus free debt management plans
- National DebtlineFree advice by phone and webchat, with fact sheets and template letters
- Citizens AdviceLocal, face-to-face help with debt, benefits and much more
What A Debt Adviser Can Do For You
Build a budget
Work out what you can really afford to pay each month, after your essential bills.
Deal with priority bills
Make sure rent, council tax and energy are protected first, as these carry the most serious consequences.
Talk to the people you owe
Ask your creditors to accept lower payments, freeze interest or give you more time.
Set up a plan
Arrange a free debt management plan, so you make one affordable payment that is shared out for you.
Get you breathing space
In England and Wales, apply for a legal pause of up to 60 days on most interest, charges and collection.
Explain formal options
If debts can't be repaid, talk you through solutions such as a debt relief order, IVA or bankruptcy.
Why pay for what's free? Some firms charge set-up and monthly fees for debt plans, and adverts on social media sometimes promise to "write off" most of your debt. That fee money could have gone to the people you owe. A free adviser can set up the same plans, and will tell you honestly if an IVA or other formal solution is right for you.
Last checked: 19 October 2026
Help From The Government And Your Council
Before you borrow for a one-off cost, check whether you can get help that is free or interest-free:
- Budgeting Advance. If you get Universal Credit, you may be able to get an interest-free advance of £100 or more for one-off costs such as a cooker, furniture or a rent deposit, paid back through your Universal Credit. Find out more on GOV.UK.
- Crisis and Resilience Fund (England). Since April 2026, councils in England have run this fund for people facing a financial crisis, replacing the Household Support Fund. Help and eligibility vary by area, so check your council's website.
- Elsewhere in the UK. Similar help is available through the Scottish Welfare Fund, the Discretionary Assistance Fund in Wales, and Discretionary Support in Northern Ireland.
Debt Advice Questions
Will getting debt advice affect my credit file?
No. Speaking to an adviser isn't recorded on your credit file. Some solutions they might suggest, such as a debt management plan, can be, and they will explain that before you agree to anything.
Should I take out a loan to pay off my debts?
Only if you can comfortably afford the new repayment and it genuinely makes things simpler or cheaper. If you are already behind on payments, speak to a free adviser first. Our page on debt consolidation loans sets out when it can and can't help.
How long does it take to get help?
You can usually start online straight away, or speak to someone by phone within days. If you are facing an urgent problem, such as bailiffs or losing your home, say so when you first get in touch.