Free browser-based tool
Debt Position Check
Organise the basic facts about your debt privately. This tool does not decide which debt solution is suitable for you.
Your answers stay on this device.
This V1 tool runs in your browser. We do not transmit or save the answers.
What this check does
It helps you put five basic facts in one place before you read about debt solutions or speak to an adviser. It does not test formal eligibility and it does not rank one solution above another.
Why we keep it limited
The FCA distinguishes neutral factual information from advice that includes an evaluation, value judgement, persuasion or recommendation. We have deliberately designed this tool to stay factual. If you need a personalised recommendation, use a regulated debt adviser.
Primary sources
- FCA Handbook: PERG 17 consumer credit debt counsellingPrimary or public authority source, checked 2 November 2026.
- FCA: Unauthorised or unsuitable debt advicePrimary or public authority source, checked 2 November 2026.
- MoneyHelper: Debt Advice LocatorPrimary or public authority source, checked 2 November 2026.