Free Debt Advice UK
Struggling with debt? You are not alone. Our friendly team provides free, confidential debt advice to help you understand your options and find the right debt solution.
Whatever Your Debt Situation, We Can Help
Everyone's debt situation is different. Here are some common problems we help people with through our free debt advice service.
I cannot afford my monthly payments
If you are struggling to make minimum payments on your debts, there are debt solutions that can reduce what you pay each month to an affordable amount.
An IVA or DMP could help
Creditors keep contacting me
Constant calls and letters from creditors can be stressful. With an IVA, creditors are legally not allowed to contact you once the agreement is in place.
An IVA provides legal protection
I am worried about losing my home
Many debt solutions allow you to protect your home. A Debt Management Plan keeps your mortgage separate from other debts.
A DMP is often best for homeowners
My debts are small but I cannot pay
If you have less than £30,000 of debt and very little income or assets, a Debt Relief Order could write off your debts.
A DRO might be suitable
I want to write off some of my debt
If you cannot realistically pay back everything you owe, debt solutions like IVAs can write off a significant portion of your debt.
Check our debt write off options
I do not know where to start
Dealing with debt can feel overwhelming. Our free debt advice assessment helps you understand your options and find the right solution.
Get free debt advice now
Debt Solutions We Advise On
There are several ways to deal with debt. Our debt advice helps you find the right solution for your circumstances.
Individual Voluntary Arrangement (IVA)
A legally binding 60 month plan. Your debts and interest are frozen, creditors cannot contact you, and remaining debt is written off at the end.
Debt Management Plan (DMP)
A flexible arrangement ideal for homeowners. Pay your debts at a reduced monthly rate until you are debt free.
Debt Relief Order (DRO)
For people with low income and few assets. Debts are written off after 12 months.
Bankruptcy
A formal insolvency process that writes off most debts. Usually discharged after 12 months.
Friendly Debt Advice You Can Trust
We know debt feels overwhelming. That is why we keep our debt advice simple, honest, and judgement free.
No judgement, just debt help
We understand debt can happen to anyone. Our team is here to support you without judgement.
100% confidential advice
Your information stays private. We never share your details without your permission.
Quick, simple process
Our debt advice assessment takes just 2 minutes. No complicated forms or confusing jargon.
Friendly UK debt advisors
Speak to real people who understand your situation and want to help you get out of debt.
Trusted debt expertise
We have helped thousands of people find the right debt solution and become debt free.
Nationwide debt advice service
We help people across England, Wales, and Northern Ireland with all types of debt problems.
Debt Advice Questions Answered
Find answers to frequently asked questions about free debt advice in the UK.
Our friendly debt advisors are ready to help you understand your options.
Get Free Debt AdviceWhere can I get free debt advice?
You can get free debt advice from several sources in the UK. Charities like StepChange and Citizens Advice offer free help, as do some private companies like Crystal Clear Debt. Our initial assessment and advice is completely free with no obligation. We explain your options clearly so you can make an informed decision.
Will getting debt advice affect my credit score?
Simply getting debt advice does not affect your credit score. However, if you enter into a formal debt solution like an IVA or DRO, this will be recorded on your credit file for 6 years. We explain all implications before you make any decisions about how to deal with your debt.
What information do I need to get debt advice?
To give you accurate debt advice, we need to understand your financial situation. This includes your income, essential expenses, and details of your debts. You do not need exact figures initially. We can guide you through gathering the information needed for your debt assessment.
How quickly can I get debt help?
Our online debt advice assessment takes just 2 minutes. After that, one of our debt advisors can usually speak with you within 24 hours. If you need urgent debt help, let us know and we will do our best to prioritise your case.
What is the best debt solution for me?
The best debt solution depends on your individual circumstances, including how much you owe, your income, and whether you own property. Our free debt advice helps you understand which options you qualify for and which would work best for your situation.
Can you help with all types of debt?
We can advise on most types of unsecured debt including credit cards, loans, overdrafts, and utility bills. Some debts like mortgages, student loans, and court fines have different rules. We will explain what debts can and cannot be included in any debt solution.
Is debt advice really free?
Yes, our debt advice is genuinely free. There is no charge for our initial assessment and we explain all your options without any obligation. If you choose to proceed with a debt solution, any fees are explained upfront and are often included in your monthly payments.
How do I know which debt solution is right for me?
The right debt solution depends on factors like your total debt, income, assets, and personal circumstances. Our free debt advice assessment looks at all these factors and recommends the options that would work for you. We never pressure you into any decision.
Ready to Get Free Debt Advice?
Take the first step today. Our free debt advice assessment helps you understand your options with no obligation.
Get your free debt adviceTakes just 2 minutes. 100% confidential.