Free debt help

If you need personalised help, established free services can explain your options and help you decide what to do next.

Reviewed 2 November 2026General information, not debt advice

We do not currently receive a referral fee from the organisations listed on this page.

The links are provided because free regulated or public debt help is an important part of a responsible debt information service.

MoneyHelper Debt Advice Locator

MoneyHelper's locator can show free debt advisers and online tools, including telephone, online and face-to-face routes where available.

Find free debt advice with MoneyHelper

Other established free routes

When to seek prompt help

MoneyHelper highlights urgent situations including bailiffs, a court summons, loss of gas or electricity, repossession, or difficulty meeting priority payments. If one of those applies, do not wait for a website tool to solve the problem.

Primary sources

MoneyHelper: Debt Advice LocatorPrimary or public authority source, checked 2 November 2026.
MoneyHelper: Options for clearing your debtsPrimary or public authority source, checked 2 November 2026.