A wide range of organisations provide help and guidance for those in debt.

The information provided below is provided for information only, we are not recommending that these organisations can assist you. Before taking debt advice you should check if you are incurring any charges.
Any advice provided by your adviser will be based on the information you provide to them, so you should ensure you give your adviser all the relevant information.

National Debtline (logo)National Debtline (Money Advice Trust)
0808 808 4000 (9am to 8pm Monday to Friday & 9.30am to 1pm Saturday)
Webchat facility
Citizens Advice (logo)Citizens Advice
Debt helpline: 0800 240 4420 (9am to 5pm, Monday to Friday)
webchat facility
Step Change (logo)Step Change (Foundation for Credit Counselling)
0800 138 1111
Online debt advice
Age UK (logo)Age UK
Debt Advice Foundation (logo)Debt Advice Foundation
08000 434050 Monday to Friday 8am to 6pm
Money Helper (logo)Money Helper (Money and Pensions Service)
Links to national and local organisations providing debt advice
Christians Against Poverty (logo)CAP – Christians Against Poverty
Find local help
Money Saving Expert
Tips on where to go for help, and where not to go for help

If you take external advice, please ensure that you keep Payroll Debt UK informed. Some debt advice organisations will accept your permission to liaise direct with us.