How we can help you
National Debtline is a debt advice charity run by the Money Advice Trust. We are a free and confidential debt advice service for people in England, Wales and Scotland. We have helped millions of people deal with their debts. Our team of expert debt advisers care about improving your situation and will help you to take control of your debts.
On this site you will find all you need to get started on your debt free journey. There are guides, fact sheets, budgeting tools and sample letters to help you write to your creditors. You can also get debt advice by using our webchat service, emailing us or by calling our helpline.
Our debt advisers come from a variety of different backgrounds. All of them are dedicated to helping you tackle your debts.
"Nine out of ten people who get free debt advice from us say they feel more confident in tackling their debts and managing their money as a result."
To protect your confidentiality, we do not use "caller display" equipment. This means our debt advisers cannot see your number displayed on a screen when you ring. They also have a permanent block on the "caller return" service. This means that if they ring you back, our number will not be announced as the last number to ring you to anyone dialling "1471". This is in case you don't want anyone to know that we have contacted you.
Online personal debt advice
My Money Steps is our 24 hour free online debt advice tool. My Money Steps will give you a personalised action plan setting out practical steps to deal with your debts. It will also help you manage your finances in the future. All you need to do is spare 20 minutes to answer a series of questions about your finances.
Start My Money Steps
Webchat for debt advice
If you need advice whilst browsing our website you can chat with one of our online specialist debt advisers.
Our webchat service is available
Monday - Friday 9am- 8pm
Saturday 9:30am - 1pm
Webchat for advice
Email for debt advice
If you are not sure where to start, or if you think you need some extra help to deal with your debts, you can send an email enquiry to a debt adviser.
If you send us an email using our online form a debt adviser will aim to respond within 48 hours.
Email us for advice
Call us for debt advice
Our dedicated team of debt advisers are ready to help you deal with your debt. When you call, our debt advisers will talk you through your options. They will give you clear advice on how you can move forward with your debt.
Call 0808 808 4000