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Get free, confidential and independent advice on dealing with debt problems across the UK - telephone, fax, opening hours, website

How to prioritise and reduce your debts, and where to get free debt advice

• Updated: 21 December 2017

Alternatives to bankruptcy and the different types of agreements you can make with your creditors.

• Overview

  If you owe people money (your ‘creditors’) you can make arrangements to…

• Breathing Space (Debt Respite Scheme)

  If you live in England or Wales, you can get temporary protection from…

• Debt Management Plans

  A Debt Management Plan is an agreement between you and your creditors to…

• Administration orders

  An administration order is a way to deal with debt if you have a county…

• Individual Voluntary Arrangements

  An Individual Voluntary Arrangement (IVA) is an agreement with your…

• Debt Relief Orders

  Debt Relief Orders (DROs) are one way to deal with your debts if you: owe…

Help and advice including cost of living support, online calculators and tools, health related support and medical grants, utility support, savings and bank accounts.

• Updated: 1 April 2026

The Money and Pensions Service (MaPS) replaces the 3 existing providers of government-sponsored financial guidance – the Money Advice Service, the Pensions Advisory Service and Pension Wise. It provides free and impartial debt advice, money guidance and pension guidance to...

• Updated: 15 April 2021

• Updated: 20 April 2026

If your employer is 'insolvent' this means it cannot pay its debts - your rights if this happens, claiming money owed to you, where to get advice

Find out what help you can get to help you manage your debts.

Find out about financial support available to veterans and their families.

• Updated: 12 September 2024

This collections documents the yearly Money Advice Service: annual report and accounts

• Updated: 18 July 2019