A comprehensive, supportive platform designed to help UK individuals manage debt, calculate surplus income, and navigate the bankruptcy process with ease and clarity. Feeling overwhelmed by debt? Debtrupt gives you a clear plan, the right tools, and the confidence to take back control — step by step.

North West

Debt help in Merseyside

Merseyside covers Liverpool, Knowsley, Sefton, St Helens and the Wirral. Free, confidential debt help is available to everyone across the county from national charities that know the local courts.

Towns in Merseyside

Liverpool

Council tax arrears and energy debts are common across Merseyside. The Queen Elizabeth II Law Courts in Liverpool handle bankruptcy work, but you apply and pay the £680 fee online. A free charity can help you compare bankruptcy with a cheaper DRO if your assets and surplus income are low.

Free national debt help

These charities help everyone in Merseyside — you can reach them by phone or online right now.

StepChange Debt Charity

Free, confidential debt advice and managed plans across the UK.

0800 138 1111 Visit website

National Debtline

Free, independent advice run by the Money Advice Trust.

0800 808 4000 Visit website

Citizens Advice

Free advice on debt, benefits and legal problems, in person and online.

0800 144 8848 Visit website

Business Debtline

Free advice if you are self-employed and struggling with debts.

0800 197 6026 Visit website

Find your nearest court on GOV.UK

Merseyside — debt help questions answered

Is debt advice free in Merseyside?

Yes. National charities such as StepChange and National Debtline offer free, confidential debt advice to everyone in Merseyside by phone and online — you never pay for their help.

Where do I file for bankruptcy if I live in Merseyside?

Bankruptcy is filed online at GOV.UK and the £680 fee is paid there. Your nearest County Court deals with the petition — use the GOV.UK court finder to locate it, and take free advice before applying.

Can I get face-to-face help in Merseyside?

Yes — Citizens Advice offers face-to-face debt advice across Merseyside, and national charities run local outreach. For most people, phone or online advice is the fastest way to start.