PayPlan
PayPlan offer free debt advice for anyone. Their team of advisers will listen to your concerns and offer options that suit your individual needs.
As well as debt management plans, you can get general advice on debt, money management and visit their financial wellbeing hub (opens in a new window) for advice on budgeting and maximising income.
PayPlan also has a vulnerable client team. They are dedicated to supporting those who are struggling with their mental, physical and emotional health, mental and physical disabilities, addiction and terminal illness.
PayPlan services include
- free debt advice
- debt management plan to reduce monthly repayments
- IVA to write off unaffordable debts
- trust deed to reduce monthly payments
- breathing space to work out how to deal with debt
- support if you’re self employed
Start by talking to PayPlan
Visit PayPlan’s website to complete the starter form and choose if you want help online or over the phone. You’ll hear from a specialist advisor shortly after to start your next step.
StepChange
StepChange is a debt charity supported by government. They offer completely free and flexible debt advice, based on your situation.
You'll need to answer a short questionnaire to assess your situation. Then you can decide to manage the process online or by phone.
StepChange will offer you a solution that suits your needs. Along with debt management plans, the charity can offer you advice on money, mortgages and more.
StepChange services include
- free debt advice
- debt management plan to reduce monthly repayments
- breathing space to work out how to deal with debt
- IVA to write off unaffordable debts
- bankruptcy advice
- specialist calculators
- utility bill help
- mental health support with debts
Get help from StepChange
This is the three-step process StepChange follow:
- Work out your budget, income and debts
- Find a solution to your debt that suits your situation
- Set up a debt solution, and offer support with no time limit
National Debtline
National Debtline is a registered charity offering free confidential advice.
- advisers give impartial, non-judgmental advice
- contact them as many times as you need to
- get advice for someone else if you're worried about them
Speak to an expert by phone or through live chat. You can also use their Digital Advice Tool (available 24 hours, 7 days a week).
Business Debtline
Business Debtline is a registered charity offering free confidential advice.
- advisers give impartial, non-judgmental advice
- contact them as many times as you need to
- get advice for someone else if you're worried about them
Speak to an expert by phone or through live chat.
General advice
Debt and money help with CAB
The Citizen's Advice Bureau (CAB) can offer you support or advice on different money management topics.
This includes:
- cost of living
- help with debt and solutions
- using food banks
- mortgage problems
- pensions