Debt Help and Support in the UK: Where to Get Free, Trusted Advice
- Emma Patel - Personal Finance & Budgeting Specialist
- Feb 8
- 4 min read
Updated: Apr 27
Debt can feel overwhelming — but you are not alone, and help is available. Whether you’re struggling to make minimum payments, facing creditor pressure, or worried about escalating bills, there are trusted organisations across the UK that offer free, confidential advice and practical solutions.
This guide explains where to get debt help in the UK, what options are available depending on your circumstances, and how to take the first steps towards regaining financial control.
Why Seeking Debt Advice Early Matters
Ignoring debt problems usually makes them worse. Interest charges, fees, and creditor action can escalate quickly.Seeking professional advice early can help you:
Understand all your options
Freeze interest and charges
Stop creditor harassment
Create an affordable repayment plan
Avoid unnecessary damage to your credit rating
Debt advisers are there to help, not judge.
Related article: How to Protect Yourself from Financial Scams in the UK
Where to Get Free Debt Advice in the UK
1. StepChange Debt Charity
Free, impartial advice online or over the phone
Help with creating Debt Management Plans (DMPs)
Assistance with Individual Voluntary Arrangements (IVAs) and bankruptcy advice
StepChange is one of the largest and most respected debt advice charities in the UK.
2. National Debtline
Free telephone advice for England, Wales and Scotland
Online fact sheets and budgeting tools
Help with setting up repayment plans and negotiating with creditors
Ideal for self-employed individuals as well as consumers.
3. Citizens Advice
Local advice centres across the UK
Help with debt, benefits, housing, employment and legal problems
Support with bailiff issues, court action, and debt relief orders
They can also help you understand your legal rights around debt collection.
4. PayPlan
Free debt advice and solutions
Specialist help with Debt Management Plans, IVAs and Debt Relief Orders
Online debt advice tool for 24/7 support
PayPlan is a good option if you prefer an online-only journey.
5. MoneyHelper
Government-backed service for debt and money guidance
Free budget planners, debt advice directories, and phone support
Consolidated advice from the Money Advice Service, Pension Wise and The Pensions Advisory Service
A great starting point for understanding your wider financial situation.
Common Debt Solutions Available in the UK
The right solution depends on your individual circumstances, including the size of your debts, your income, and whether you own assets.
Debt Management Plan (DMP)
An informal agreement with creditors to pay off debts at an affordable rate
Typically used for non-priority debts like credit cards and loans
Interest and charges may be frozen by creditors (but not guaranteed)
Individual Voluntary Arrangement (IVA)
A formal, legally binding agreement to pay off part of your debts over 5–6 years
Remaining debts are written off at the end
Must be set up by an insolvency practitioner
May affect your credit rating and public record
Debt Relief Order (DRO)
A lower-cost alternative to bankruptcy for people with low income, few assets, and under £30,000 of debt
Debt is frozen for 12 months, then written off if your situation hasn’t improved
Available through approved debt advisers
Bankruptcy
A way to deal with debts you cannot realistically repay
Suitable for larger debts
Serious consequences: loss of assets, effect on credit rating, public record entry
Should only be considered after professional advice
How to Start the Debt Help Process
1. Gather information: List your income, expenses, debts, and creditors. Having a clear picture helps the adviser assess your options faster.
2. Contact a free advice service: Reach out via phone or online chat. The earlier you ask for help, the more options you will have.
3. Work with the adviser: They'll help you prioritise debts (such as mortgage arrears or utility bills) and suggest the best next steps based on your situation.Warning: Avoid Debt Management Companies That Charge Fees
Some commercial companies offer debt advice but charge upfront or ongoing fees — often for services you can access for free through charities.
Always use FCA-authorised services. You can check an organisation’s status on the Financial Conduct Authority Register.
One Overlooked Tip: Review Your Benefits and Entitlements
Many people struggling with debt are missing out on extra income they are entitled to.
Use the Turn2Us Benefits Calculator to check if you qualify for:
Universal Credit
Housing Benefit
Council Tax Reduction
Other support grants
Extra income could make a critical difference in managing your debts sustainably.
FAQs: Debt Help and Support in the UK
Is debt advice really free?
Yes — genuine charities and government-backed services offer completely free advice. Beware of companies that charge fees.
Will contacting a debt adviser affect my credit score?
No. Simply seeking advice will not appear on your credit file. However, entering a formal debt solution (like an IVA) may impact it.
What debts should I prioritise first?
Priority debts include mortgage/rent arrears, utility bills, council tax, and court fines. These can have serious consequences if unpaid.
Can I get a DRO if I have a car?
You may still qualify if your vehicle is worth less than £2,000 and you need it for essential purposes (like work).
What if I feel too embarrassed to seek help?
Debt advisers are non-judgemental and trained to help. Financial problems are very common — you are not alone, and getting advice is a positive first step.
Final Thoughts
Facing debt can be daunting, but help is readily available — and seeking advice is the strongest, most positive move you can make. Free, confidential support can provide a clear path out of financial difficulty, tailored to your personal situation. By taking action early, understanding your options, and working with trusted advisers, you can start rebuilding your financial security and move towards a more stable, stress-free future.
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Please note: All content on SmartWithMoney.co.uk is for informational purposes only and does not constitute financial advice. Always seek guidance from a qualified financial adviser before making any financial decisions.
