Free, trusted services
- StepChange Debt Charity.
- Citizens Advice.
- National Debtline.
- MoneyHelper (government-backed guidance).
What they do
They help you understand your options, deal with creditors, and set up a plan if needed — free of charge and without judgement. Avoid firms that charge fees for what these services do for nothing.
Frequently asked questions
Will getting advice hurt my credit?+
Getting advice itself does not. Some solutions affect your credit file, and a good adviser will explain the trade-offs before you decide.