Four simple steps

Four simple steps to dealing with your debts


Using this website will help you take four important steps to deal with your debts.

Following all four steps will take some time, but don't give up.  If you need extra help, contact us for phone or email advice as often as you need to.​



Phone advice from National Debtline​​​




Calls to National Debtline are free from landlines. If you are calling National Debtline on a mobile phone, most networks will not charge you for the call because you are ringing a helpline.


If you are deaf, hard of hearing or speech impaired, you can call us using the Text Relay service. National Debtline also uses a telephone-interpreting service. This means our advisers always have access to professional interpreters over the phone in 100 languages. If you do not speak English, it takes just a couple of minutes to get an interpreter on the phone who will translate accurately what you and the adviser are saying to each other.




For the most up to date information please use the Deal with your debts part of our website.
We have added a PDF to make it easy to print the booklet, but it may not contain the latest information.  




To protect your confidentiality, National Debtline does not use 'caller display' equipment. This means our 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, the National Debtline 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 National Debtline has contacted you.

Quality advice


To ensure a high standard of advice, all National Debtline advisers receive intensive training when they join the service.  We continue to develop and support our advisers by providing on-going training. National Debtline has a proven track record and has been awarded the Advice Services Alliance 'Advice Quality Standard'.