Debt management links

In these difficult times many people are struggling to make ends meet. There is plenty of free advice to help you with debt, you don’t have to use a commercial debt-management company.


Business Debtline

​Provides free advice and resources to help you deal with your business finances and business debts. You can access services over the phone, through the website and via webchat.


Christians Against Poverty

Tel: 0800 328 0006

​CAP are passionate about releasing people in the UK from a life sentence of debt, poverty and their causes. Through CAP services, which are all run through local churches, they are tackling poverty head on. The CAP vision is to bring freedom and good news to people in every community through 1,000 CAP projects by 2021.

Citizens Advice

Offering face to face, on the phone or on-line free advice, Citizens Advice aims to provide the advice people need for the problems they face and improve the policies and practices that affect people’s lives. They provide free, independent, confidential and impartial advice to everyone on their rights and responsibilities. They value diversity, promote equality and challenge discrimination. Visit the contact us page on the website for details on different ways to contact Citizens Advice in England, Scotland, Wales or Northern Ireland.

Civil Legal Advice

Tel: 0345 345 4345​
If your home is at risk because of debt, you might be able to get free and confidential advice from Civil Legal Advice (CLA) as part of legal aid if you’re in England or Wales.​

Community Money Advice

​Tel: 01743 341929

CMA has a network of over 140 affiliated advice centres across the UK. Each year these centres help thousands of people escape from the blight of indebtedness by providing free, unconditional, fully confidential advice and practical support to people from all walks of life. Advice is specific to each client’s needs and advisers will give as much time and support as required until debts have been repaid and financial stability achieved; whilst the whole process also includes developing good money management skills.


Debt Advice Foundation

Tel: 0800 043 4050
Phoneback form

The Debt Advice Foundation is a registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt. Because they’re a debt charity, you can be sure that the advice provided is impartial and based solely on what is best for you.

Debt Counsellors Charitable Trust

Tel: 0300 456 2726

The Debt Counsellors Charitable Trust is a new charity committed to providing free, independent confidential and impartial advice, information and support to people in England and Wales who are experiencing financial difficulty.

Debt Support Trust

Tel: 0800 085 0226

Debt Support Trust is a registered charity (SC041902) providing debt advice and support for people struggling to manage their debts. They understand being in debt can be a difficult experience so their trained volunteers and qualified debt advisors are on hand to give you tailored and caring debt advice.


Fiscal Tiger Credit Card Glossary

You’ll find definitions of all things credit card on this site. Very useful when credit card companies try and confuse you with financial jargon.


Household Quotes was set up to help homeowners and tenants avoid paying too much for maintenance jobs in your home. Amongst other helpful advice, they have a list of financial options to help control debt.


Money Advice Service

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help here in a way that’s best for you.​


National Debtline

Tel: 0808 808 4000

NDL is a national telephone helpline for people with debt problems in England, Wales and Scotland. The service is free, confidential and independent. You can get advice over the phone or by email, and free relevant self-help materials are sent out.​



​Tel: 0800 280 2816

Free confidential advice on ALL debt solutions – when you call they will talk you through every available option so YOU can choose the best fit for your lifestyle.


StepChange Debt Charity (formerly CCCS)

Tel: 0800 138 1111

StepChange Debt Charity help thousands of people to overcome debt problems. Through a telephone debt helpline, and online Debt Remedy tool, they provide free and effective debt advice, and practical solutions to help transform the lives of those struggling with the stress and worry of problem debt.

Do you know other helpful organisations?

If you can recommend other helpful organisations that could be listed here, please use the contact form to let us know – thanks!