Key organisations helping with debt & money

National Debtline

Free debt advice, both online and over the phone. Get help with organising your budget, writing to creditors and identifying debt solutions. The full range of debt issues are covered, and comprehensive factsheets on all aspects of dealing with debts provided.

T: Freephone 0808 808 400 Mon to Fri 9am-8pm, Sat 9:30am-1pm

Webchat: Mon to Fri 9am–8pm, Sat 9.30am–1pm

Digital Online tool for instant advice here


StepChange is a free debt advice charity who help set up payment plans. They can help you organise your debts and make fair offers of repayment to creditors. StepChange can also administer debt management plans and advise on other debt management options, including bankruptcy and Debt Relief Orders (DROs).

T: 0800 138 1111 Mon-Fri 8am-8pm, Sat 8am-4pm

Online debt advice service available 24/7 here


PayPlan is a debt charity offering free Debt Management Plans. They can help you make payment offers to creditors and administer those payments for you. PayPlan can be very helpful for self-employed people whose income may be seasonal. PayPlan can also help with Debt Relief Orders (DROs) and Individual Voluntary Arrangements (IVAs).

T: 0800 280 2816 Mon-Fri 8am-8pm, Sat 9am-3pm

Online Form here – adviser will call back or email

Money Helper

Money Helper is a government service that covers a wide range of money issues and can offer advice too. It now includes the Money Advice Service, Pension Wise and the Pensions Advisory Service.

T: 0800 138 7777 Mon-Fri 8am-6pm
For pension queries call: 0800 011 3797

Webchat: Mon-Fri 8am-6pm, Sat 8am-3pm

Online Web Form here