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Debt Advice

If you're in debt or having money problems and finding it hard to cope, it's important to deal with the problem straight away - the longer you ignore the problem, the worse the situation becomes. Please use the links below to find out what you can do about your debt problem and where to get free help and advice.

Many organisations offer free and confidential help on money matters. Always seek this sort of free, independent advice before you pay for a commercial service. For free debt advice or for how to access legal affordable credit contact: 

Citizen's Advice Bureau

Citizens Advice can help you resolve legal, money and other problems by providing free information and confidential advice from several locations around the county.

Telephone: 03444 111 444  or check your local bureau's contact details via the Citizens Advice Get advice webpage (please note: calls to the national phone service (0344 numbers) will be charged at five pence per minute from a landline and may cost considerably more from mobile and other phones).

Website: Citizen's Advice Bureau

StepChange Debt Charity

StepChange provides free and confidential counselling on debt problems – including personal budgeting and credit advice.

Telephone: 0800 1381 111 from 8.00 am to 8.00 pm on weekdays
Website: StepChange. Also take a look at StepChange Debt test.


Housing problems often start because of financial difficulties. If you are struggling with unmanageable debt, rent or mortgage arrears, Shelter - The housing and homelessness charity - can help.

Website: Shelter - The housing and homelessness charity


Payplan provides free advice to people living in the UK on debt and budgeting, including free debt management plans and IVAs (Individual Voluntary Arrangements) without upfront fees.

Telephone: 0800 280 2816 between 8am and 9pm every day.
Website: Payplan

Christians Against Poverty

Christians Against Poverty's (CAP) award-winning service offers free debt-counselling and support to everyone with personal debts, regardless of age, gender faith or background. CAP visits each client in their home, deals with all the paper work and negotiates with creditors on the client’s behalf. Call 0800 328 0006 or visit to find out more about how we can help.