Debt & Budgeting National Services

The Money Advice Service helps people manage their money. This service gives free and impartial advice. The service works in partnership with other organisations to help people make the most of their money.

Insolvency Service for full details of bankruptcy and to download bankruptcy application forms.

Business Debtline In England and Wales, Business Debtline is a dedicated advice service for small businesses.

There are three main providers of free Debt Management Plans (DMP)

National Debtline is a national telephone helpline which gives free advice to people with debt problems. It will give you advice and send you a self-help pack. If it’s appropriate, the adviser can refer you to a free DMP.

StepChange is a charitable organisation funded by the credit industry to provide free credit counselling to people in the UK. It offers an initial interview by telephone or in person and then reviews your debt history and provides a recommendation. This can include a debt management plan, which is administered by StepChange.

Payplan is a company which provides a free debt management service to people in the UK. It is independent and is funded by the credit industry. It will assess your financial position, suggest a repayment plan and approach the creditors with it.