Debt helplines

Use our helplines to find more information and advice on debt

GovUK– Options for paying off your debts


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Money Saving Expert

Benefits checker

Credit Unions

Step Change

FreeHelpline: 0800 138 1111

Payday loans

Credit unions

Dedicated to providing confidential, free counselling and money management assistance to financially distressed families and individuals. No matter what your debt problem, we’ll be able to help. New to us? Get expert debt advice. Don't forget to use our budget form to gather your information before calling. A debt advice call takes around 40 minutes to complete. Over the last twenty years, we’ve helped more than two million people, many of whom have faced exactly the same kind of situation as you.

National Debtline

Free Helpline: 0808 808 4000

Provides free confidential and independent advice on how to deal with debt problems

Business Debtline

Free Helpline: 0800 197 6026

Provides free confidential and independent advice on how to deal with business debts


Free Helpline: 0800 280 2816 (mobiles maybe cheaper on 0207 760 8980) or use our online Debt Help Form for a quick and easy way to get free debt advice from experienced professionals

Payday loans

Our promise is straightforward - we provide free debt advice and free debt solutions for anyone experiencing financial difficulties, whatever the circumstance or situation. Being in debt and experiencing financial problems can be stressful. Talking it through with friends, family or colleagues may not be easy. We're impartial and non-judgemental: most of all, we are committed to finding a realistic solution that is right for you, your family and your home. Our advice is free, confidential and available right now.

Debtors Anonymous

Debtors Anonymous (DA) is a twelve-step programme for anyone who wants to stop incurring unsecured debt. You can find out more by attending a meeting, emailing us at help AT or simply by leaving us a message on 0207 1177 533 and someone will get back to you. We advise going to six meetings before deciding on whether this is for you. Search for a local meeting by clicking on this link.

Christians Against Poverty

Contact us

We exist because nobody should be held hostage by debt and poverty. But the truth is that they are rife in the UK. In a society where people live behind closed doors, thousands are desperately poor. Unable to feed their children, incapable of paying to heat their homes in winter, the grip of poverty is relentless. It breaks families apart and drives many to think that suicide is the only solution. We are passionate about releasing people in our nation from a life sentence of debt, poverty and their causes.

Citizen’s Advice

Help with debt advice guide

Benefits changes

Benefits for people who are sick or disabled

We aim to provide the advice people need for the problems they face and improve the policies and practices that affect people's lives. We provide free, independent, confidential and impartial advice to everyone on their rights and responsibilities. We value diversity, promote equality and challenge discrimination. See our website for individual National Helpline Numbers.


Helpline: 0808 802 2000

Payday loans

Benefits checker

Turn2us helps people in financial need gain access to welfare benefits, charitable grants and other financial help – online, by phone and face to face through our partner organisations. From April 2013 through to 2016, major changes are being made to the benefits and tax credits system affecting millions of people in this country. Turn2us has mapped these most significant changes on a timeline, which can be filtered to the benefits that are relevant to you. You can also sign up to receive email alerts when a specific benefit changes.


Helpline: 0300012 0312

WorkingFamilies is the UK’s leading work-life balance organisation. The charity helps working parents and carers and their employers find a better balance between responsibilities at home and work. Our free Legal Helpline gives parents and carers advice on employment rights such as maternity and paternity leave, rights to time off in an emergency, and parental leave, as well as helping them to negotiate the flexible hours they want. We can also give basic advice on the benefits and tax credits that working parents can claim. We also give advice on maternity discrimination and pregnancy discrimination.

Single Parents is the parenting site by single parents for single parents. It is delivered by a dedicated team at Single Parent Action Network (SPAN) and by our volunteers. was born in 2008 and has supported thousands of parents, both women and men, through the hard times of separation, coping with divorce, going through the courts, domestic abuse, parenting, work and benefits and then on to rebuilding their lives. brings together essential information, expert advice, interactive learning, multi-media content, links to other support organisations and news for anyone who is parenting alone. We aim to be the first port of call for single parents online, providing information, support or signposting to additional services and is a lifeline to many who are parenting alone.

One Space is delivered bythe Single Parent Action Network (SPAN).

Scope & DIAL UK

Helpline: 0808 800 3333

Scope and DIAL offer the best combination of national disability expertise and local knowledge, providing free, impartial and expert information, advice and support to disabled people and their families on a variety of topics. DIAL is an independent network of local disability information and advice services run by and for disabled people. Every year, DIAL help over a quarter of a million disabled people. Scope provides support to the network.


Offers free confidential expert advice via their website, Housing Aid Centres, helpline and e-mail services

Helpline: 0808800 4444



Housing and mortgage arrears

The Salvation Army

Tel: 0207 367 4500

Budgeting and debt advice

The Salvation Army has a long history of working with people who are vulnerable and marginalised across the world and offer very practical help, unconditional assistance and support regardless of race, religion, gender or sexuality, respecting the identity and choices of all those referred to them. Anyone can find themselves facing grief and despair. Family breakdown, unemployment, poverty, homelessness, and drug and alcohol dependency are just some of the reasons why people can lose everything they value, including their dignity. In the Salvation Army we don't judge or condemn. We just help. In the UK and Republic of Ireland there are more than 800 Salvation Army social service centres and churches (corps). We run 120 drop-in centres offering support and help for people in need and serve 3,000,000 meals every year at community and residential centres.