We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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What is debt advice?

How does it work?

This is when an expert looks at your financial situation. This will be someone impartial, which means they have nothing to gain from helping you.

Your debt advisor tells you about ways to deal with your debt, based on your circumstances. They might recommend you can:

  • Sort out your finances through better budgeting
  • Go on a debt solution
  • Use assets to pay back or write off debt

Maybe your debt advisor will recommend you do all these things. It depends on what is right for you.

Watch our video to find out about what debt advice is

What is debt advice?
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Why do I need a debt advisor to tell me what to do?

You may be able to work some of this out on your own. But a debt advice provider will know more than you about how different debts can be dealt with. Think of it as taking your car to the garage rather than fixing a fault on your own.

How can I be sure I am getting debt advice from the right person?

  • You should never: Pay for debt advice - there are lots of free advice services
  • You should always: Go to an organisation that is authorised and regulated by the Financial Conduct Authority (FCA). Like we are.

What happens when you get debt advice?

During a debt advice session, your debt advisor will:

  •  Set up your monthly budget: They will look at your income, spending and debts to make sure you can afford your food, home, and energy costs
  •  Suggest ways to improve your budget: They will share ways to reduce your spending or increase the money you have coming in
  •  Explain what could happen if you do not pay your debts: This will help you understand how you can be affected if you do not pay what you owe
  •  Tell you which debts need to be paid first: Some debts need to be dealt with first, as the consequences of not paying them can be more serious
  •  Go through any options for dealing with your debt: These may include 'debt solutions'. You will find out which are available, how they work, how they affect you and any fees you might need to pay

Some debt solutions may have fees, but you should never have to pay for debt advice. We are a charity who have provided free debt advice for 30 years.

Our online debt advice is available day and night

Get started now. You can stop, pause and continue at your own pace.

Start debt advice online now.

There is no impact on your credit score.

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Asking for help can be hard.

Are debts causing you stress? Do you feel you never have the time?

Whatever the barrier, we can deal with it together.

Find out more here.

Chloe on Feefo says:

"Took away the fear."

"Very good - makes it less daunting to face my struggles with helpful and friendly advice and understanding."

Get help like Chloe

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Helpful and non-judgemental"

"Helpful advice based on my circumstances. Website makes entering financial and personal details easy then suggests solutions to help. I always felt in control of my choices and each option is well explained. Any issues and the advisers on the phone are knowledgeable, friendly and non-judgemental. I now feel in control of my finances thanks to step change."

Ashton, Feefo Review