I’m struggling with debt.
Who should I speak to?

I’m struggling with debt.
Who should I speak to?

If you’ve found this post it’s likely the case that you are either worrying about debt, if that’s the case, now is the time to act!

What’s important to know though is that you are not alone, the average UK household owes £15,385 to credit card firms, banks and other lenders.

If you feel overwhelmed by debt, it’s important not to panic, you’ll need a clear head to take action. Letting your emotions take over will cloud your judgement and see you miss details at a time you need them most. Once your head is set, now’s the time to make a plan that you can stick to, by doing so you accept there is a problem and are more likely to change. Lastly, don’t pay for support, you can get everything you need from amazing charities that are there to support you.

Anxiety caused by financial stress though can make you feel very isolated, and if that’s the case reach out to somebody to talk with and get help. In the UK, there are loads of options available for you to speak with someone to help you manage debt, either in-person, over to phone or online.

Free sources of debt support include:

Citizens Advice

With money advisors all over the country, Citizens Advice is one of the largest providers in the UK for debt support. They have centre’s around the country where you can meet a money manager as well as rich resources online.

Money Advice Service

Check out their Debt Advice Locator to find out where you can source the support you need. The Money Advice Service is really the one stop shop you need to understand how to manage your money, demystifying many of the complexities common with finance.


StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.

Debt Advice Foundation

Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.

National Debtline

National Debtline has helped millions of people with their debts. They’ll talk you through options and give clear advice on how to take back control.


PayPlans online debt solution tool, PlanFinder, can give you a personalised debt solution in as little as 15 minutes. They also offer free live chat and email support for immediate help.


Tully is the UKs first completely digital debt adviser. Go online, share your statements, build your budget and get free, confidential and personalised advice within minutes.