0808 808 4000 Get help now
If you’re struggling with debt, feeling stressed about your finances, or simply in arrears with bills, we can help you understand your options.
We’re a free debt advice charity offering confidential support to anyone facing financial difficulties. Whatever your situation, we’ll help you find a way forward.

Ways to get help

We know that asking for help can be difficult. That’s why we offer different ways to get support, so you can choose what works best for you.
Chat online
If you’d prefer to message, our webchat service lets you speak directly to an adviser online. Get the support you need, without making a phone call.
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Call us
Sometimes, talking things through can make all the difference. Our friendly, experienced debt advisers are here to help if you’re struggling financially or simply need some guidance.
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My Money Steps
If you’d prefer an independent way to manage your debts, My Money Steps provides personalised debt advice tailored to your situation. It’s free, confidential, and available 24/7.
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Worried about debt? You’re not alone

If you’re feeling stressed about money, you’re not alone. Many people across the UK face financial challenges, whether it’s managing debt or keeping up with bills.
Signs you may need help with debt problems:
  • Keeping up with bills is becoming a challenge
  • Using credit more often to cover expenses
  • Feeling uncertain about managing debt
  • Finding it difficult to respond to letters or calls from creditors
  • Worried about rent or mortgage payments
If any of this sounds familiar, we can help. Reaching out for support is the first step towards taking back control.

How free debt advice can help you

When you’re facing money worries or financial difficulties, it’s important to get the right support. Our independent debt advice can help you:
  • Understand your options – We’ll explain realistic solutions based on your situation.
  • Create a plan that works for you – Whether you need help dealing with debt, managing bills, or giving yourself some more time to come up with a plan, we’ll support you.
  • Reduce stress and take control – Knowing your next steps can often help ease money worries and give you confidence.
Help with something else
We’re here to help you with debt problems or financial worries. If you need help with something else, our trusted partners may be able to help.
Support resources