Debt help and advice

Are you behind with your bills, credit cards or other repayments? Are you struggling to make ends meet? Well, you're not alone, more and more people are finding themselves in this situation. 

But, congratulations on taking the first step to dealing with the problem.

Get free, confidential help now from any of the organisations listed below - because it won't go away on its own.

All external links are subject to the External Links Policy in our Terms and Conditions.

 Organisation     Telephone/email   Website     Notes 
The Royal British Legion   

0808 802 8080 - 8am-8pm, 7 days a week

Free from UK landlines and main mobile networks.

From overseas call +44 (0)20 3376 8080 (full rate)

Online contact form

Benefits and Money Advice Service

For practical care, advice and support to serving members of the Armed Forces, veterans of all ages and their families.


Army Welfare Service 01980 615 975 Army Welfare Service - Personnel support

Can help with benefits information, debt, housing, relationship issues and many more. Welfare workers available in UK, Germany and Canada.

Capitalise  0808 164 2480
Call-back request form
 Capitalise Offers free, face-to-face debt advice across London. They can work with you to prioritise your bills and debts, helping you to write letters and advocating on your behalf.

Helpline 9am-9pm Mon, Wed & Thurs; 9am-5pm Tues & Fri
Citizens Advice    

England - 08444 111 444 

Wales - 08444 77 20 20

Northern Ireland - 08452 666 696

Northern Ireland email 

Scotland - 0808 800 1007

Citizens Advice 

Armed Services Advice Project (Scotland)

Advice is available by phone or face to face.

Dedicated phone and email for serving and ex-Service personnel and their dependants in Northern Ireland.

Advice, information and support for the Armed Forces community in Scotland.

Find your local bureau 

National Debtline

0808 808 4000

Email - contact form

England and Wales


Northern Ireland

Helpline - Monday to Friday 9am-9pm, Saturday 9.30am-1pm

Online My money steps tool


0800 280 2816 

Email - contact form


Helpline - Monday to Friday 8am-8pm, Saturday 9am-3pm


StepChange Debt Charity

0800 138 1111 - Freephone including mobiles

StepChange Debt Charity


Helpline - Monday to Friday 8am-8pm, Saturday 9am-3pm

Online Debt Remedy tool

Debtology - debt app        

Email -


Debtology app on iTunes and Google Play

Advice NI     028 9064 5919 Advice NI

Money, tax and benefits advice in Northern Ireland

Find and Advice NI member in your area

Debt Action NI  0800 917 4607  Debt Action NI  Debt advice in Northern Ireland 
Money Advice and Budgeting Service (ROI) (MABS) 0761 07 200 MABS

Free, confidential, independent and non-judgmental service for people in debt, or in danger of getting into debt, in Ireland.

Helpline - Monday to Friday 9am-8pm

Last reviewed: 17/01/2017