Free independent help and advice

You can get independent and free advice to help you deal with money worries from many organisations, including

PayPlan offers free and confidential money advice that can help you to take back control of your finances.

They offer advice by phone, email and live chat making it quick and easy to access the advice you need.

Set up by the UK government, MAS offers free and impartial money advice.

It can provide information to help you decide the best way to take things forward and keep your payments on track.

It also suggest organisations which provide debt management services or providers who can help you keep on top of your money.

StepChange Debt Charity is a registered charity offering free, impartial advice and support to anyone who is worried about debt.

Their free counselling and debt advice can help you get back in control of your money and move forward with your life.

Citizens Advice offers free help on a wide range of issues including debt.

Check your local phone book or Yellow Pages to get in touch.

National Debtline gives free debt advice by phone and online to people across the UK