Need help with your debts?
We don’t offer phone lines, live chat or one-to-one advice, and we can’t contact creditors for you. These free services can:
National Debtline
Free phone and webchat advice (England, Wales and Scotland).
Citizens Advice
Face-to-face help at local offices, and phone advice.
0800 144 8848 (England) · 0800 702 2020 (Wales)
Not sure which to choose? Our free debt advice page asks a few questions and suggests the best fit, or use the MoneyHelper debt advice locator.
Emergency helplines
- Samaritans — 116 123, free, 24 hours a day, if you’re struggling to cope.
- Shelter — 0808 800 4444, if you’re facing eviction or homelessness in England.
- National Debtline — 0808 808 4000, if you have court papers, bailiffs or an urgent deadline.
- Business Debtline — 0800 197 6026, if you’re self-employed or run a small business.
- If your life or someone else’s is in immediate danger, call 999.
How to contact us
We’re a small editorial team and we only take enquiries by email. We read every message, but please allow a few working days for a reply.
General questions & feedback
Questions about the website, suggestions for new guides, or broken links.
Report an error
Spotted something wrong or out of date? Please include the page address, what you think is wrong and, if you can, a link to an official source.
We check every correction against official sources. If we change a guide because of a significant error, we update its “last updated” date and note what changed. Our editorial policy explains how this works.
Please don’t send personal financial details. We can’t advise on individual cases, so there’s no need to tell us about your debts, income or account numbers. If you email us, we use your message only to reply — see our privacy policy.
Complaints about a debt company or creditor
We can’t investigate complaints about other organisations. If you’re unhappy with a lender, debt collector or debt management company, complain to the firm first. If it doesn’t resolve your complaint within 8 weeks, or you disagree with its final response, you can take it to the free Financial Ombudsman Service. Complaints about an insolvency practitioner (for example, about an IVA) go through the Insolvency Service complaints gateway.