It’s always best to talk to someone as soon as possible if you’re feeling concerned about your finances. The sooner you seek advice, the sooner you can start to feel back in control again.
If you have debts with multiple providers, a third party debt adviser can help. They’ll discuss your situation without judgement, and help you to find ways to manage your debts, however large or small.
There are many free debt advice services available, providing online, phone and face-to-face support, so you can get help in the way that best suits you.
Citizens Advice offers free, independent, confidential and impartial debt advice online through their web chat service and by phone.
StepChange Debt Charity
StepChange provides expert advice, budget support and solutions to help you manage your debts.
Debt Advice Foundation
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
PayPlan offers an online debt solution tool, PlanFinder. The tool will give you a personalised debt solution in as little as 15 minutes. They also offer free live chat and email support.