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Debt charities

Debt charities are valuable resources for individuals facing financial challenges for several reasons:

  • Expert Guidance: Debt charities typically have financial experts and advisors who can provide personalised guidance based on your specific situation. They can help you understand your financial options, create realistic budgets, and offer advice on managing debt.

  • Non-Profit Focus: Debt charities operate as non-profit organisations, meaning their primary goal is to assist individuals rather than generate profits. This ensures that their services are focused on helping people navigate financial difficulties rather than maximising revenue.

  • Impartial Advice: Debt charities offer impartial advice without any vested interest in specific financial products or services. Their recommendations are based on what is best for your financial well-being, not influenced by the desire to sell a particular product.​

Organisations who charge you or ask for a donation for their advice are usually not accredited or authorised to advise you on your debt(s). Most importantly they have no power to negotiate on your behalf.

Be aware: Third party advice websites and social media pages such as ‘Beat the Bailiffs’ do not provide factually correct information, and therefore should not be used. If you follow advice from these sites you may make your situation worse. Always crosscheck the information that you receive online with regulated trustworthy debt charities.

Recommended debt charities 

If you're looking for help and advice and / or independent support, we recommend you the following charities listed below.

moneyhelper.jpg
moneyhelper.jpg

Bringing together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.

Calls are free from the UK. 

Available Monday to Friday 8am - 6pm

StepChange Logo.jpg
StepChange Logo.jpg

StepChange is an independent charity that offers free, flexible debt advice based on a comprehensive assessment of your situation.

Available to call Monday to Friday

8am - 8pm and Saturday 9am - 2pm

Citizens advice logo.png
Citizens advice logo.png

Citizens Advice is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing, and other problems in the UK.

Available Monday to Friday 9am - 8pm, 9.30am --1pm Saturdays.

As a nationwide enforcement company, we work with your local Citizens Advice.

We have a team of dedicated, trained welfare support agents readily available to provide support you if you're feeling vulnerable. They treat each case on an individual basis and are here to help you. They will work with your local Citizens Advice to help you resolve your debt. 

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