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Sources of free, independent advice
StepChange
Telephone, Online
Debt advice & management charity
0800 138 1111 (Mon–Fri, 9am–5pm; Sat 8am–4pm)
England & Wales, Scotland, Northern Ireland
PayPlan
Face to face, Online
Debt management & advice provider
0808 250 2209 (Mon–Fri, 8am–8pm; Sat, 9am – 3pm)
www.payplan.com
England & Wales, Scotland, Northern Ireland
Citizens advice
Face to face, Home visits, Telephone, Online
Network of independent, local charities
03444 111 444 (Mon–Fri, 9am–8pm)
www.citizensadvice.org.uk (England & Wales)
www.cas.org.uk (Scotland)
England & Wales, Scotland (see website for local centres)
National Debtline
Telephone & Online
Debt advice charity
0808 808 4000 (Mon–Fri, 9am–8pm)
Available in: England & Wales, Scotland