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How to deal with debt

The No.1 guide to taking control of your finances.

National Debtline

We are a national charity for people with debt problems. We have been providing advice for over 30 years. Our advice is free, confidential and independent. Our new How to deal with debt guide has information to help people in lots of different debt situations.

Get a fresh start

By simply opening the guide you have already taken the first step towards a fresh start with your finances.

More than eight million people in the UK have financial difficulties, we know that this can be tough to deal with. It can sometimes feel overwhelming, but there are solutions.

In 2018, more than 100,000 people used our guide. 88% of people who followed our advice say they feel less likely to find themselves in a similar situation again.

A quick overview of the guide

  • Step 1: Know what you’ve really got. This step shows you how to complete your budget, which is an essential tool for dealing with your debts.
  • Step 2: Maximise your money. This step looks at how to make the most of your money.
  • Step 3: Choose your debt solution.This step looks at the different solutions you have for dealing with your debts.

As well as this guide, we also produce detailed fact sheets on many areas of debt advice. The guide will tell you when one is available to read. We also tell you when there is a sample letter to use to help you contact your creditors.

Please note this guide is for use in England and Wales. If you live in Scotland you can still use Step 1, but for anything else go to our Fact sheet library.

Download your free copy of 'How to deal with debt'