- Debt Help
Not Sure Where to Start? Start Here.
Debt problems build up gradually. This page helps you spot the signs, take the first step, and find the right kind of help for you.
*Takes less than 60 seconds. No impact on your credit score to check.
Check if you qualify
- 60 seconds
- No credit impact
- No obligation
Please note that debt solutions may not be suitable for everyone and fees may apply Click Here. Entering into an IVA will impact your credit rating.
Help also available on
- Debt Help
Say goodbye to debt stress
Using credit to cover everyday essentials
Only ever paying the minimum, and balances aren't shrinking
Missed payments, or shuffling money between accounts to cope.
Avoiding letters, calls, or your banking app.
Bills keep increasing every month
Using credit cards for daily expenses
Missing repayment deadlines
Feeling stressed about debt
Recognise two or three? That’s a sign it’s worth talking to someone not a sign you’ve failed.
- Debt Help
Your First Steps
List what you owe :
Who, how much, minimum payments
Sort priority vs non-priority debt :
See our [Types of Debt] guide
Talk to an adviser :
No plan needed, just a conversation.
Find out what's actually available to you :
Formal solution, informal plan, or just budgeting support.
What kind of help is available?
- Your Situation
- Unaffordable debt, multiple creditors.
- One specific type of debt (credit card, payday loan, CCJ, etc.)
- Just need to get back on track.
- Not sure which applies to you.
- What could Help
- An IVA, DMP, DRO, or Bankruptcy — see [Debt Solutions]
- Guidance specific to that debt — see [Types of Debt]
- Free budgeting help via MoneyHelper.
- A quick chat with us — that's what it's for.
- Debt Help
How it works
Tell us what's going on
Quick, confidential, no documents needed
Speak to a real adviser
Plain English, no jargon
Decide in your own time
Zero pressure, zero obligation
- Debt Help
You don’t have to figure this things out alone.
Talking about money is hard, even when it shouldn’t be. Debt is one of the most common financial struggles in the UK reaching out is simply the first step.
Confidential. No pressure. No obligation.
- Good to know
Frequently asked questions
No. Speaking with an adviser and understanding your options costs you nothing and comes with no obligation to proceed. Some debt solutions themselves may involve fees, which would always be explained clearly beforehand.
Yes. Many people reach out before they’ve worked out the full picture. An adviser can help you gather and make sense of it together.
No. Simply getting advice and discussing your situation has no impact on your credit file. Certain formal debt solutions can affect it later, but this would always be explained clearly before you decide anything.
That’s completely fine. Not everyone who contacts us needs, or wants, a formal solution, sometimes budgeting guidance or a conversation about priorities is enough. We’ll never push you towards something you’re not ready for.
Yes. “Debt help” covers the guidance, information, and support available to you generally. A “debt solution” like an IVA, DMP, DRO, or bankruptcy is a specific, formal way of dealing with debt that may or may not be right for you, depending on your circumstances.