Free, independent debt advice

Dealing with debt is stressful, and you don't have to do it alone. Free, independent advice is available — and we strongly encourage you to use it.

The organisations below are completely independent of 1310. They work for you, not for us. Everything you tell them is confidential.

StepChange Debt Charity 📞 0800 138 1111 (Mon–Fri 8am–8pm, Sat 8am–4pm) 🌐 stepchange.org

Offers free debt management plans, individual voluntary arrangements (IVAs), and personal budgeting advice. You can also use their online debt advice tool.

MoneyHelper 📞 0800 138 7777 (Mon–Fri 8am–6pm) 🌐 moneyhelper.org.uk

Run by the Money and Pensions Service, backed by the UK government. Free budgeting tools and guidance on managing debt.

Citizens Advice 📞 0800 144 8848 🌐 citizensadvice.org.uk

Free advice on debt, benefits, employment, and housing. Local offices and online resources available across England and Wales.

National Debtline 📞 0808 808 4000 (Mon–Fri 9am–8pm, Sat 9:30am–1pm) 🌐 nationaldebtline.org

Free, expert debt advice by phone and online. Run by the Money Advice Trust.

A debt adviser can help you understand all your options, write to creditors on your behalf, and negotiate affordable repayment arrangements. There is no charge for any of these services.