get urgent Financial help
Get Help with Debt
Free, Confidential Support in the UK
If you’re feeling overwhelmed by debt, please don’t struggle alone.
There are people who understand and can help you right now — free of charge, and without judgement.
Below you’ll find trusted UK charities and official organisations that offer confidential, impartial debt advice. They can help you understand your options, speak to creditors, and start your journey to a debt‑free future.
StepChange Debt Charity
One of the UK’s largest debt charities.
They offer free, personalised advice and can set up debt management plans, breathing space, and more.
Visit StepChange
National Debtline
Free, confidential help over the phone and online.
They also provide fact sheets, budget tools, and sample letters to send to creditors.
Visit National Debtline
Citizens Advice
Local offices across the UK and a detailed website.
They can help with debt, benefits, housing, and legal issues.
Visit Citizens Advice
MoneyHelper
Government-backed service offering impartial guides, calculators, and tools to help manage your money and debts.
Visit MoneyHelper
Christians Against Poverty (CAP)
Free, in-person debt help through local community teams.
They offer holistic support, including budgeting help and emotional support.
Visit CAP
Remember
You don’t have to face debt alone. Reaching out for help is a sign of strength, not failure.
These organisations won’t judge you — they’ll listen, guide, and help you take the first steps towards a debt‑free life.
If your mental health is being affected by your debt see
Money Mental Health
Disclaimer
Debt-Free.co.uk provides information and personal opinions only. We do not offer regulated financial advice.
For personalised advice, always speak to a qualified debt adviser or regulated organisation.
