Where to turn for help
When you are unsure of your next steps, it can help to reach out to an expert for advice.
You’ll benefit from an outside eye - someone who knows the world of loans, interest rates, and debt management who can explain your options without the jargon and support you through financial decisions.
Here are some of our recommended resources to give you free advice for your situation.
Online
Get immediate, personalised help. Some services are available 24 hours a day.
Citizens Advice Web Chat
Citizens Advice offers free, independent, confidential and impartial debt advice through their web chat service.
National Debtline
The National Debtline offers free debt advice online through its My Money Steps tool and its web guides, fact sheets, and sample letters.
StepChange Debt Charity
StepChange Debt Charity provides you with the expert advice, budget support, and solutions to help you manage your debts.
Debt Advice Foundation
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
By Phone
Speak directly with an expert adviser. Telephone services are usually available weekdays, evenings and Saturdays.
ENGLAND
Citizens Advice
0344 411 1444
Citizens Advice gives free, confidential information and advice to assist people with money, legal, consumer and other problems.
Debt Advice Foundation
0800 622 61 51
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
National Debtline
0808 808 4000
National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.
StepChange Debt Charity
0800 138 1111
StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.
NORTHERN IRELAND
Citizens Advice
0800 028 1881
Citizens Advice is the largest advice charity in Northern Ireland, meeting the information and advice needs of around 95,000 people per year in member bureaux and over 320,000 people via their website.
Debt Advice Foundation
0800 622 61 51
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
Housing Rights NI
02890 245 640
Clients must have at least one housing debt
Further information and advice by email is available at https://www.housingadviceni.org
Omagh Independent Advice Services
028 8224 3252 and 0800 917 4607
For general email advice send your query to debt@adviceni.net
To make an appointment complete the Debt Help Request form available at https://www.debtaction-ni.net/debt-help-request-form
Or for a call back text “action” to 81025
StepChange Debt Charity
0800 138 1111
StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.
SCOTLAND
Citizens Advice Scotland
0808 800 9060
Citizens Advice Scotland helps more than 300,000 people solve their money problems each year in communities ranging from city centres to the Highlands and Islands.
National Debtline
0808 808 4000
National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.
StepChange Debt Charity
0800 138 1111
StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.
WALES
Citizens Advice Wales
08444 77 20 20
Citizens Advice is a network of 316 independent charities throughout the United Kingdom that give free, confidential information and advice to assist people with money, legal, consumer and other problems.
Debt Advice Foundation
0800 622 61 51
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
National Debtline
0808 808 4000
National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.
StepChange Debt Charity
0800 138 1111
StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.