Free debt advice locator (UK)
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Routes you to free, regulated debt help based on where you live and how urgent your situation is — the same charities MoneyHelper signposts.
England
Free UK debt advice
These charities are funded to help you — never pay an upfront fee for debt management.
- StepChange
0800 138 1111
Free debt management plans, DRO and IVA guidance. Online and phone.
- National Debtline
0808 808 4000
Free confidential advice on budgeting, priority debts and court action.
- Citizens Advice
Local bureau network for debt, benefits and consumer rights.
On Money Guide
In a mental health crisis, Samaritans are on 116 123 (free, 24/7). Debt advice is separate from the Financial Ombudsman — complain to your lender first, then FOS if unresolved.
How it works
- Choose England, Wales, Scotland or Northern Ireland.
- Pick the situation that best matches — priority arrears, court action, unsecured debt or self-employed debt.
- We list relevant charities with phone numbers and Money Guide reading.
Common questions
- Will contacting a debt charity affect my credit file?
- Seeking advice does not appear on your credit file. Entering a formal solution such as a DRO or IVA will.
- Can they speak to my creditors for me?
- Yes — debt management plans and negotiation with priority creditors are core services, always free from these charities.
- Is this regulated financial advice?
- It is free debt counselling from FCA-authorised firms, not investment advice. You may still need a solicitor for court proceedings.