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Debt Support Charities

Free Debt Help
You Always Have This Option

These organisations provide expert, independent debt advice completely free of charge. You have the legal right to access free debt advice — we will always tell you if a free service is better for your situation.

✅ Under FCA rules, any firm providing debt advice must tell you about free services. We actively recommend these charities where appropriate.

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MoneyHelper

Government-Backed

MoneyHelper is backed by the government and provides free, impartial money and debt advice. The MaPS (Money and Pensions Service) recommends this as a first port of call for anyone with debt concerns.
📞 0800 138 7777
🌐 moneyhelper.org.uk

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StepChange Debt Charity

The UK’s largest free debt charity. StepChange helps over 600,000 people a year with free debt advice, debt management plans, and referrals to other solutions. Available online and by phone.
Helps with: DMP, IVA referrals, DRO applications, budgeting, breathing space
📞 0800 138 1111
🌐 stepchange.org

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National Debtline

Operated by the Money Advice Trust, National Debtline provides free, independent debt advice by phone and online. They offer self-help resources and can assist with priority debts such as rent, mortgage and council tax arrears.
Helps with: Priority debts, creditor negotiations, debt factsheets, webchat
📞 0808 808 4000
🌐 nationaldebtline.org

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Citizens Advice

Citizens Advice offers free, confidential advice on a wide range of issues including debt, benefits, housing and employment. Visit a local bureau in person or access help online or by phone.
Helps with: Debt, benefits, housing, legal issues, in-person appointments
📞 0800 144 8848
🌐 citizensadvice.org.uk

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Debt Advice Foundation

A registered charity providing free debt advice and education. They operate a helpline and offer self-help resources to people struggling with debt across the UK.
Helps with: Debt advice, debt education, helpline support

ℹ️ When Might You Need a Paid Service?

In most cases, a free charity service will be equally effective as a paid service. However, some people prefer a fee-charging firm because they want a dedicated case manager, more personalised support, or because a charity has a waiting list.

If you do use a fee-charging service, make sure all fees are clearly explained upfront and that you understand how much of your monthly payment actually reaches your creditors.

Debt solutions may affect your credit rating and are not suitable in all circumstances. Your individual circumstances will be assessed before any recommendation is made. To find out more about managing your money and getting free and impartial debt advice, visit moneyhelper.org.uk. Help with Debt Ltd (FCA FRN: 1058208) is an Appointed Representative of Dee Valley Finance Limited (FRN: 811106), authorised and regulated by the Financial Conduct Authority.