There are a several types of organisations that can offer debt advice and solutions.
Money Advice Service
Full details about each of the organisations below is available from the Money Advice Service.
The Money Advice Service helps people manage their money. They do this directly through their own free and impartial advice service.
Live in Scotland?
If you have debt problems and live in Scotland, you should take a look at the information available on the Accountant in Bankruptcy website. The Accountant in Bankruptcy is a government department. The leaflet includes details about free debt advice providers in Scotland.
You can find details of free debt advice in your area at www.moneyadvicescotland.org.uk/find-adviser.
You may also find the debt section of Scottish Governments Financial Health Service website helpful.
Live in Northern Ireland?
If you have debt problems and live in Northern Ireland, you should take a look at the information available on the Department of Enterprise, Trade and Investment, which is a government department. It includes details about free debt advice providers in Northern Ireland.
Free debt advice for people living in Northern Ireland can be accessed from www.debtaction-ni.net.
Free Debt AdviceThere are a number of other organisations that provide free debt advice:
- Citizens Advice Bureaux: for details about your local CAB see www.citizensadvice.org.uk
- StepChange Debt Charity: for details about StepChange see www.stepchange.org
- National Debtline: for details about National Debtline see www.nationaldebtline.org
- Debt Advice Foundation: for more details see www.debtadvicefoundation.org
- Christians Against Poverty: for more information about Christians against Poverty see www.capuk.org
- AdviceUK: for more information about AdviceUK see www.adviceuk.org.uk
- Civil Legal Advice: for more information about Civil Legal Advice see www.gov.uk/civil-legal-advice
- Business Debtline: for more information about Business Debtline see www.bdl.org.uk
- Shelter: for more information about Shelter see england.shelter.org.uk
Fee chargingThere are at least 300 commercial fee charging debt advice companies operating in the UK. The Debt Counsellors recommends that you only use the service of a firm that is the member of one of the two trade bodies operating in the fee charging sector.
- To check if a firm is a member of the Debt Managers Standards Association see www.demsa.co.uk/members
- To check if a firm is a member of the Debt Resolution Forum see www.debtresolutionforum.org.uk/members.php
Many member of DEMSA and DRF are also covered by the Insolvency Service Debt Management Plan Protocol which provides more detailed standards for commercial debt management firms who provide Debt Management Plans. For more information see the free debt advice page of Money Advice Service.
Debt Self HelpMany people want to deal with their debt problems without seeking the advice and support of a third party organisation like The Debt Counsellors. There are a number of really good free self help websites that you may wish to look at:
Debt Advice Forums
There are a number of websites that have debt advice forums where you can discuss anonymously your debt issues, experiences and problems with both other people who are in debt and debt advice experts:
Debt Facts and Figures
- For up to date UK personal debt statistics take a look at themoneycharity.org.uk/debt-statistics