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If you're having problems managing debt or meeting payments which may include tax or other money owed to HM Revenue & Customs (HMRC) there are a number of organisations that provide free advice, including those listed below.
Please note that this list isn't exhaustive and the links are to external organisations which are not managed by HMRC.
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This helpline provides free, confidential and independent advice on how to deal with debt problems. The website also offers a range of free online guides.
The Citizens Advice Bureau provides free information and advice on legal, money and other problems. You can find your local Citizens Advice Bureau in the phone book or on their website.
StepChange Debt Charity provides free, independent and impartial advice to people who have debt problems. Its website also offers free online guides.
StepChange Debt Charity offer a free online service which gives a quick assessment of your financial situation and tailored debt advice. It's anonymous, free of charge and available 24 hours a day.
As well as having an administrative and investigative function, the Insolvency Service provides information on alternatives to bankruptcy and what to do if an employer who is declared insolvent doesn't pay you your redundancy entitlement.
National Debtline offers free, confidential and independent help over the phone if you're in England, Scotland or Wales. You can call their helpline and also download publications from their website.
TaxAid is a UK charity providing free tax advice to people who can't afford to pay a professional adviser. They offer help to anyone on a low income, whether employed, self-employed, retired or on benefits.
The Debt Advice Foundation is a registered UK debit advice charity offering free, confidential support and advice to anyone worried about debt.
Some local authorities offer a free debt counselling service. You can check with your local authority by following the link below. You'll be asked to enter details of where you live and then taken to your local authority website where you can find out more.