UNDERSTANDING DEBT
We've been helping our customers with their debt and money worries since 2006 by providing free, expert debt advice - in that time, we've supported over 250,000 people.
Our trained and accredited advisors can help with all types of money worries from rent and council tax arrears to credit card and catalogue debt.
No matter how large or small your debt problem is, we can help. We'll look at your financial situation and give you expert debt advice and recommend debt solutions to suit your situation. We can work with you to prioritise your bills & debts, helping you to write letters and advocate on your behalf.
Types of Debt
Debt, it's more common than you think. In London, over 1.4 million adults struggle to make ends meet - each year we help over 24,000 people with their money worries.
Rent Arrears
Rent arrears is the most frequent debt we help our customers with, making up 43% of those who visit us.
Read More →Council Tax
Over a third of those we've helped (36%) had fallen behind with Council Tax payments.
Read More →Utility Bills
No-one should have to go without heating or electricity at any time. Get help to repay your utility debt now.
Read More →Credit Cards
It's easy to fall behind on your credit card payments. Nearly a third of those we helped owed on their cards.
Read More →Loans
Many people struggle to repay their loans. We can help you with bank loans, payday loans and alternatives.
Read More →Debt Solutions
We can support you with a wide range of practical debt solutions to suit every situation.
Admin Orders
A formal, legally-binding arrangement that allows you to repay what you owe over a manageable period.
Read More →Bankruptcy
Declaring bankruptcy is one way to clear your debts and start afresh.
Read More →Debt Management Plans
A DMP allows you to pay off your debts at a rate you can afford.
Read More →Debt Relief Order
A DRO freezes your debts for a year, then writes them off if your situation hasn't changed.
Read More →IVA
An IVA freezes your debts and allows you to pay them back over a set period of time.
Read More →How to access our advice
We are here and ready to help you through a range of channels tailored to your needs.
At An Advice Centre
We have advice hubs based in local Citizens Advice, Law Centres and other community settings.
Find Centre →Call Us
Give us a call on freephone 0800 808 5700. Our lines are open seven days a week 8am-8pm.
Request Callback →Video Chat
Need to speak to an Advisor face-to-face but can't make it to one of our centres?
Start Video Chat →How we've helped others
Gwen & Vincent's Story
Gwen and Vincent contacted us after receiving a letter of court action about overpaid tax credits.
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Shamiya's Story
Shamiya found herself in receipt of a County Court action for utility arrears of over £2,000.
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Jasmine's Story
Jasmine came for debt advice about an outstanding Major Work repairs debt on her property.
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