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.
You can tell us
If you have a personal, health or other issue that is making it harder to manage your finances you can tell us.
If you tell us, it could help us to provide you with a better service. We'll also keep the information confidential.
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.
Helping people across the UK tackle their debts and manage their money with confidence
We have a proven track record of giving expert debt advice for over 25 years. We promise:
- to provide expert debt advisers who are supportive and trained to a high standard;
- to stay committed to providing free, impartial and confidential debt advice;
- to talk you through the debt advice options that are right for you;
- to keep all of your personal information confidential; and
- not to pass your details on to any other organisation without your permission.
Our debt advisers
All National Debtline advisers receive intensive training when they first join the service.
We continue to develop and support our advisers by providing ongoing training. National Debtline has a proven track record and has been awarded the Advice Services Alliance 'Advice Quality Standard'.
Our debt advisers are the heart and soul of our service. Their expert knowledge of debt advice has helped millions of people since 1987. Many of them have been with us for over 20 years.
All our debt advisers are dedicated to giving high quality free debt advice to people across the UK.
Last year we helped 103,420 people on the phone and a further 43,750 people through our webchat service. In addition, there were 1.5 million visits to the National Debtline website.
Our latest news
Our Stop The Knock research shows that local authorities in England and Wales referred 2.6 million debts to bailiffs in 2018/19. Use the map to select your local authority.
Our #StopTheKnock campaign aims to encourage councils to reduce their use of bailiffs by making sure residents get free early debt advice.
Help with mental health difficulties
Anxiety UK supports those living with anxiety disorders by providing information, support and understanding through a range of different services.
Mind provide confidential advice and support to anyone experiencing a mental health problem.
Rethink Mental Illness has a national helpline and locally run services and support groups for people living with mental illness, their carers and relatives.
Samaritans are there to help you explore your options, understand your problems better, or will just be there to listen.
Sane provides care and emotional support for people with mental health problems, their families and carers as well as information for other organisations and the public.