• Sometimes speaking to someone is what you need. If you’re feeling anxious or the situation is complicated, phoning us may be the best option.
• If you haven’t called before or used our Digital Advice Tool, see our Getting ready for advice fact sheet that explains about the information we’ll need to find the right solution for you.
• We’re open Monday to Friday 9am-8pm and on Saturdays 9.30am-1pm.

• Available 24/7, our Digital Advice Tool is great if you like doing things online. We’ll ask you the same questions that we would on a call.
• We’ll give you tailored advice about dealing with your debts.
• You can still decide to call us for advice. Our advisers will be able to see all the information you have given, so you won’t have to start again or repeat yourself.

• If you need to know a bit more about advice we have given you, or just have a quick question that you want to ask, our webchat team can help.
• You will get to chat with a specialist debt adviser and will be given a copy of the chat so you can go back to it.
• Chat with us Monday to Friday 9am-8pm and on Saturdays 9.30am-1pm.

• Our advisers give impartial non-judgmental advice.
• You can contact us as many times as you need to.
• We can help even if you need advice for someone else or want to remain anonymous.

No matter what has happened, getting good advice is always the right choice.

• We’re a registered charity, our services are free.
• We’ve been helping people of over 30 years.
• We helped over 100,000 people last year alone.

Get advice straightaway if you are at immediate risk of losing your home, essential services or goods, such as your car. Read more about emergency debt advice if our phone and webchat services aren’t open.

If you have a personal, health or other issue that is making it harder to manage your finances you can tell us.

If you tell us, it could help us to provide you with a better service. We'll also keep the information confidential.

We work with Citizens Advice and Mental Health and Money Advice in England so that we can offer telephone casework in some circumstances. Caseworkers can act on your behalf. We also refer to other organisations who can give further help. You can read more about getting extra support.