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National Debtline

Advice you can trust

Four simple steps to dealing with your debts

Follow our step-by-step guide

Increasing your income

Check you are getting all the money you are entitled to

Working out your personal budget

This will help you decide what options you have

Dealing with your priority debts

Find out which debts these are and what you can do

Dealing with your non-priority debts

Find out which debts these are and what you can do

Do you live in Scotland?

The law about debt is different depending on whether you live in England and Wales or Scotland. If you live in Scotland, make sure you are in our Scottish site so you get the right advice.


Need extra help?


Use our online service My Money Steps to get advice.


Call us free on

0808 808 4000

Monday to Friday 9am to 9pm

    Email us for advice



Our fact sheets

We have over 40 fact sheets and guides on debt topics. Our most popular fact sheets include:







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If you are self-employed

Contact our sister service Business Debtline.