Top 10

Debt Advice

Our Top Sites

Looking for a better way to manage your debt? These sites will give you the best online advice for consolidating loans, juggling bills, contacting creditors and generally relieving any financial pressure.

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As the UK’s leading debt charity, StepChange help thousands of people each year to evaluate their options and craft a plan of action that suits their individual circumstances. They can help whether you need to move to a debt management plan, declare bankruptcy, sign an IVA, or get a Debt Relief Order and their help is completely free and impartial. They have been helping people out of debt for 20 years; could they help you too? View Site »

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National Debtline

For confidential and independent help that is completely free, talk to the National Debtline. They form part of the AdviceUK network, an organisation that was established in 1979 and who provide helpful information and advice in all sorts of important matters. You can find out all about the options available to you if you are struggling with debt and you can get tailored help either by email or by phone. View Site »

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While they are run for profit, PayPlan offer a debt service which is completely free from fees of any kind (unlike some of the other companies out there). Instead, they are funded by contributions from the credit industry which recognises the important work that they do. As one satisfied customer put in a review of PayPlan: "best decision I ever made". View Site »

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Debt Support Trust

The core values of this registered debt charity are care, transparency, reliability, and support. Their team of volunteers and dedicated full time staff are funded by donations from individuals and companies. You can complete their 10 minute online questionnaire which will allow you to quickly analyse your debt and see the options that are open to you. Or, alternatively, their friendly team are just a phone call away to offer you impartial and non-judgemental advice. View Site »

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Debt Action NI

If you live in Northern Ireland and need help with your financial situation, we strongly advise you to contact Debt Action NI today. They employ over 25 debt advisers who operate in 18 council areas across the country and they can help you whether you are already struggling with debt repayments or if you are worried that you might be slipping into debt. Call their freephone number of text them to receive a call back. View Site »

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Debt Advisory Centre

If you want to get hands on advice and action to help stop creditors demanding payment, reduce the amount you repay each month, and put a freeze on the interest and charges that are being levied on you, the Debt Advisory Centre may be able to help. Their customers rate them very highly on independent review websites which is always a good sign. View Site »

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Debt Advice Foundation

The final debt charity on our list is the Debt Advice Foundation, an organisation that was established in 2002 to assist the growing number of people who were getting into financial difficulty. They not only provide one-on-one tailored advice for those in need, they also run an initiative that aims to better educate young people about money so that they can avoid running into trouble in the future. View Site »

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Debt Free

If you believe that an Individual Voluntary Arrangement or IVA is the best solution to your debt problems, then Debt Free could be the perfect partner to guide you through it. They are the leading organisation in the UK when it comes to setting up IVAs and currently have thousands of clients who are in the process of repaying the debt that remains after a significant lump sum has been written off. Contact them today to see if they could help you. View Site »

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Gregory Pennington

Focusing primarily on debt management plans as a means of paying off your debt in a way that best suits you, Gregory Pennington can take the pressure off by dealing with creditors and agreeing a repayment schedule. You just pay them once each month and they divvy up the funds to the companies who hold your debt. This allows you to get on with enjoying your life rather than worrying about things so much. View Site »

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Baines & Ernst

Founded in 1996, Baines & Ernst have helped over 170,000 people to alleviate the burden of debt by working with them to find the most appropriate solution for their circumstances. Whether this means bankruptcy, debt consolidation, a debt relief order, or one of the other options to deal with the financial issues you find yourself with, they are on hand to walk you through the process step by step. View Site »


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