UK’s Best Debt Advice Charities

The UK is very lucky to have a wide range of debt advice charities. Collectively they help hundreds of thousands of people a year and are able to not only offer advice just when you need it most, but are able to offer solutions like free debt management plans, IVAs, and Debt Relief Orders.

So if you’ve got to the point where you’re missing repayments regularly and having sleepless nights with worry, calling a debt charity could be just the lift you need to break the cycle and get back on top.

What a debt charity will do is assess your finances by looking at how much you owe, what you earn and what you spend. They will then be able to tell you which debt solutions you would be eligible for and in many instances take on your case and start talking directly to your creditors on your behalf to secure the fairest and most affordable outcome for you.

Our Top 5 Debt Charities

Debt Advice Foundation << Click To Visit Website >>

Their helpline is confidential, non-judgemental and covers the full range of debt solutions available in the UK.  You don’t have to book an appointment to speak to them and best of all, they don’t charge any fees for debt management.

Citizens Advice << Click To Visit Website >>

If you would rather talk about your debt problems face-to-face the CAB is probably the charity for you. They do an amazing job considering the volume of enquiries they receive. Taking that into account, we’re being a little picky here, but you should be aware that the waiting times can be long and the standard of advice can differ by region and office.

StepChange/CCCS << Click To Visit Website >>

The CCCS are another of the specialist debt advice charities. They offer free advice and do offer a great free debt management plan. Also online and freephone counselling, delivered by expert advisors, completely free of charge.

National Debtline << Click To Visit Website >>

The National Debtline as their name suggests are another national debt charity we should be thankful for. They offer great self-help packs and an advice line. Bankruptcy advice is an advice area were we’ve had reports that they are very strong.

CAP <<Click To Visit Website>> 

Christians Against Poverty is a national debt counselling charity working through a network of centres based in local churches. CAP offers hope and a solution to anyone in debt through its unique, in-depth service.

There’s No Need To Wait

All of the charities above are on your side and have answers to your questions and solutions that resolve debt problems. Calls are completely confidential and no credit checks or other means tests are done. All you need to do is kick-start the  process by picking up the phone or requesting a call back.

Why Waiting Makes No Sense

At Talk About Debt we have been running our own research and have also commissioned studies into debt via national research agencies. These are some of the findings that underline why it’s important to get in touch with one of the organisations above.

• 23% take over a year to face their debt problem and ask for help
• 59% are always worried about their debt
• 40% say debt is stopping them moving on with their life
• 63% are worried about the long term affects on ability to get credit
• 87% of those in debt are being kept awake at night with the worry
• 75% are having their work affected by being in debt, putting their ability to earn at risk
• 71% think that debt is having a negative affect on their health

There are over 1m people in the UK who are technically insolvent at the moment so if you’re struggling you’re not alone.

To stop being one of the many debt statistics published all you need to do is get help and work your way though it. There are solutions you can access today that stop you struggling.