Debt advice guides
Practical, step-by-step guides to help you understand debt, build a budget, deal with creditors, and explore the solutions available to you in the UK.
Debt Advice
How to Deal with Debt: A Practical Starting Guide
A calm, step-by-step guide to facing debt problems in the UK — from taking stock of what you owe to finding the right help.
What to Do If You Cannot Pay Your Debts
Practical steps to take if you have no money to pay your debts — from prioritising essential bills to seeking free advice and formal solutions.
Budgeting
Creditors
Debt Collection
This page provides general information only. It is not personalised financial or legal advice. Your situation is unique — please seek guidance from a qualified, FCA-authorised debt adviser before making decisions about your debts.
You do not have to face debt alone
Free, independent debt advice is available right now from trusted UK organisations. Speaking to a trained adviser is the first step towards getting back on track.