Debt help near you
Free, confidential debt help is available wherever you live in England & Wales. Pick your town for national debt charities, your nearest bankruptcy court and local support — no judgement, no cost to start.
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Free national debt help
These charities help everyone in England & Wales — you can reach them from any town page or right now.
Free, confidential debt advice and managed plans across the UK.
0800 138 1111 Visit websiteFree, independent advice run by the Money Advice Trust.
0800 808 4000 Visit websiteFree advice on debt, benefits and legal problems, in person and online.
0800 144 8848 Visit websiteFree advice if you are self-employed and struggling with debts.
0800 197 6026 Visit websiteDebt help near you — questions answered
Is debt help free near me?
Yes. StepChange, National Debtline and Citizens Advice all provide free, confidential debt advice across England and Wales — by phone, online and in person. You should never pay for initial debt advice.
Where do I file for bankruptcy?
You apply for bankruptcy online at GOV.UK and pay the £680 fee. Your nearest County Court deals with the petition — use the GOV.UK court finder to locate it. Always take free advice before applying.
Do you offer advice for my area?
Debtrupt provides general guidance for England and Wales. Free local help is available everywhere through Citizens Advice and the national debt charities listed on each town page.