Free Debt Advice

You can contact the following Not-For-Profit organisations for free, confidential and impartial debt advice, or for details of where to get such advice in your area.

The following organisations all help with issues such as Debt Management Plans, IVA’s, Bankruptcy, Money advice, Debt Solutions and Budgeting.

The Money Advice Service

For free, unbiased and easy-to-access money tools, information and advice, visit

0800 138 7777


Monday to Friday, 8am to 8pm
Saturday, 9am to 1pm

Step Change Debt Charity

For debt advice throughout the UK.

0800 138 1111

Monday to Friday, 8am to 8pm
Saturday, 8am to 4pm

Free from landlines and mobiles

Citizens Advice Bureau

For advice and information on debt and other topics.

England – 08444 111 444
There are local bureaus in your area which are available to visit in person.

Citizens Advice Wales

If you live in Wales, you can call Advice Line if you want to speak to someone about your debts. Calls cost 12p per minute from a landline, and from 3p to 45p from a mobile.

Wales – 0300 330 1313 
There are also local bureaus in your area which are available to visit in person.

Christians Against Poverty (CAP)

For free debt advice in your home.

0800 328 0006



Member centres offer debt advice including specialist advice for minority communities and people with disabilities.

0300 777 0107

National Debt line

For debt advice and information if you live in England, Wales or Scotland.

0808 808 4000 

Monday to Friday, 9am to 9pm
Saturday, 9:30am to 1pm

Free from landlines and mobiles

Other useful organisations

Civil Legal Advice

You may get legal aid if your home is at risk.
Check at or phone 0845 345 4345.

Financial Ombudsman Service
If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help – phone 0300 123 9123 or 0800 023 4567 or visit