If you’re in debt crisis you may wish to seek help from a debt help charity. Try to find a one-to-one session with someone paid to help you, not make money out of
you. It’s also a good idea to speak to a professional before you consider opting for a more formal debt solution, such as bankruptcy.
The main debt help charities include…

Citizens Advice

Full debt and consumer advice service. Many bureaux have specialist caseworkers
to deal with any type of debt, including repossessions and negotiation with creditors.
Get in touch by:
  • Tel: 0800 240 4420 (option 3)
  • Opening times: check your local branch for its hours, though they’re all closed on bank holidays. The debt helpline is available 9am to 5pm, Monday to Friday (excluding public holidays).
  • Web chat: The web chat service is open Monday to Friday, 8am and 7pm (except bank holidays).

StepChange Debt Charity

A full debt help service is available. Online support is also available via its debt advice tool where you can create a budget and get a personal action plan with practical next steps.
  • Tel: 0800 138 1111
  • Opening times: Monday to Friday, 8am to 8pm, Saturday, 8am to 4pm (closed on Sundays and bank holidays).

National Debtline

National Debtline provides free advice and resources to help people deal with their debts. Advice is available over the phone, online and via webchat.

  • Tel: 0808 808 4000
  • Opening times: Monday to Friday, 9am to 8pm, Saturday, 9.30am to 1pm.