Where to get free debt help
Citizens Advice Bureau (CAB)
The Citizens Advice Bureau provides free, confidential and independent advice from over 3,200 locations including in bureau, GP surgeries, hospitals, colleges, prisons and courts.
Its advice helps people resolve their debt, benefits, housing, legal, discrimination, employment, immigration, consumer and other problems, and is available to everyone regardless of race, gender, sexuality, age, nationality or disability.
Helpline: 0207 833 2181
Money Advice Centres
Money Advice Centres specialise in financial problems and are run by the Citizens Advice Bureau (CAB) or local authorities in some areas - check telephone directory or online.
Money Advice Association
Money Advice Trust
21 Garlick Hill
London EC4V 2AU
Fax: 020 7489 7704
Helpline: 020 7489 7796
National Debtline is a national telephone helpline for people with debt problems in England, Wales and Scotland. Its service is free, confidential and independent.
The specialist advice that it gives over the telephone is backed up with written self-help materials, which it can send out to you for free. If your circumstances meet certain criteria, it can, if you are interested, assist in setting up a debt management plan for you, for free.
Monday to Friday: 9am - 9pm
Saturday: 9.30am - 1pm
Helpline: 0808 808 4000
Consumer Credit Counselling Services (CCCS)
CCCS offers free, confidential advice and support to anyone who is worried about debt.
Helpline (England and Wales): 0800 138 1111
Scotland Helpline (Scotland): 0800 138 3328
Debt management plan
Not to be confused with a consolidation loan or bankruptcy, a DMP is a service offered by a specialist debt management company that will negotiate with your creditors to change the terms of how they get their money back. The debt company will renegotiate your debt repayment terms and then deal directly with your creditors on your behalf, and you then pay the debt management company, which passes the money to your creditors minus its initial and subsequent monthly fee. This can be as high as 20%, which means you’ll pay down your debts slower than you thought.