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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.
On this page:
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.
Get free debt advice at the Business Debtline website (Opens new window)
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.
Find your local Citizens Advice Bureau (Opens new window)
StepChange Debt Charity provides free, independent and impartial advice to people who have debt problems. Its website also offers free online guides.
Get debt advice from the StepChange Debt Charity website (Opens new window)
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.
StepChange Debt Remedy - visit their online debt help (Opens new window)
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.
Get help with matters relating to insolvency on the Insolvency Service website (Opens new window)
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.
Free debt advice and information from National Debtline (Opens new window)
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.
Get free help and advice on matters relating to tax debts from TaxAid (Opens new window)
The Debt Advice Foundation is a registered UK debit advice charity offering free, confidential support and advice to anyone worried about debt.
Free debt advice from the Debt Advice Foundation (Opens new window)
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.
Find your local authority on the Directgov website (Opens new window)
