The organisations listed on this page offer free debt advice and support in the UK. If you are struggling with debt, speaking to one of these organisations can help you understand your options and take the first steps toward getting things back under control.

Many of these organisations can help you set up a Debt Management Plan (DMP) or guide you through other debt solutions depending on your circumstances.

Importantly, these organisations provide impartial advice and are focused on helping you find the best solution for your situation.

Following the links below will take you directly to the relevant organisation where you can seek advice in confidence and without pressure.

StepChange Debt Charity

StepChange Debt Charity, formerly known as the Consumer Credit Counselling Service (CCCS), has been helping people with debt problems since 1993.

Each year, hundreds of thousands of people contact StepChange for help with managing their finances and finding solutions to their debt problems.

StepChange can provide:

• Free debt advice
• Budgeting support
• Debt Management Plans
• Guidance on other debt solutions such as IVAs or bankruptcy

Their services are free to use, and their advice is independent and confidential.

I have also written a review of StepChange Debt Charity if you would like to learn more about how they work.

PayPlan

PayPlan is another well-known organisation that offers free debt advice and support.

They help thousands of people every month and provide guidance on a range of debt solutions depending on your financial situation.

Services offered by PayPlan include:

• Free debt advice
• Debt Management Plans
• Individual Voluntary Arrangements (IVAs)
• Budgeting assistance and financial guidance

Like StepChange, PayPlan’s advice is free and aimed at helping people find a realistic way to deal with their debts.

National Debtline

National Debtline is a free, independent debt advice service run by the charity Money Advice Trust.

They offer confidential advice over the phone and online and provide a wide range of helpful resources, including:

• Debt advice guides
• Template letters for dealing with creditors
• Budgeting tools
• Information on debt solutions

National Debtline is particularly useful if you prefer to manage your debts yourself but need reliable guidance on how to do it.

Citizens Advice

Citizens Advice provides free and confidential advice on a wide range of issues, including debt and financial problems.

Their advisers can help you:

• Understand your rights when dealing with creditors
• Review your income and expenditure
• Explore possible debt solutions
• Access local support services

You can speak with an adviser online, by phone, or at a local Citizens Advice office.

Christians Against Poverty (CAP)

Christians Against Poverty (CAP) is a charity that provides debt help through a network of local centres across the UK.

They offer:

• Free debt counselling
• Support with budgeting
• Help setting up a Debt Management Plan

CAP is known for providing a very supportive, person-focused service and often works with people facing serious financial difficulties.

Talk About Debt

Talk About Debt is an independent online community where people can discuss their debt problems and share their experiences.

The site includes a questions and answers forum where members can post debt-related questions and receive responses from others who have faced similar situations.

Some questions may also be answered by professional advisers linked to debt advice charities.

While it is not a formal advice service, it can be a useful place to learn from others and find support from people going through similar experiences.

Getting Help With Debt

If you are struggling with debt, the most important step is often simply reaching out for advice.

Debt advisers can help you:

• Understand your financial situation
• Explore possible solutions
• Create a realistic plan to deal with your debts

Speaking to one of the organisations listed above can help you move forward with clear information and practical support.

Remember, you are not alone in dealing with debt problems, and there are organisations available to help you find a way through them.