The helpline that provides free confidential and independent advice on how to deal with debt problems. We offer debt advice for people living in different parts of the country. This is because the law concerning debt varies depending on whether you live in England and Wales or Scotland. You can be confident that the advice we offer is targeted to you.

Download our free guide and take your first steps towards a fresh start with your finances. Our ‘How to deal with debt’ guide will help you to:

• know what you’ve really got
• maximise your money
• choose your debt solution

More than eight million people in the UK have financial difficulties. We know that this can be tough to deal with. It can sometimes feel overwhelming, but there are solutions.