Where to get help with debts


A local Shelter advice centre or Citizens Advice bureau may be able to help if you're worried about debt. You can also get debt or money advice over the phone or online.

How a debt adviser can help

A specialist debt adviser could help you to:

  • claim any benefits you're entitled to
  • manage your income and expenditure  
  • prioritise your debts
  • produce a financial statement
  • negotiate with lenders and other creditors

Face-to-face debt advice

Many Shelter advice centres offer specialist debt advice as well as housing advice.

Shelter may be able to help you with debt problems including:

  • rent arrears
  • mortgage arrears
  • utility bill debts – gas, electricity and water
  • debt collection companies or creditors
  • hire purchase, credit card or loan arrears

You can also get face-to-face debt advice from Citizens Advice.

Civil Legal Advice

You could qualify for legal aid (free legal advice and representation) if your home is at risk because of rent or mortgage arrears and you're on a low income.  

Civil Legal Advice provide telephone advice and may refer you to a solicitor for further help. 

Civil Legal Advice - 0345 345 4 345

National helplines

National Debtline - 0808 808 4000

StepChange Debt Charity - 0800 138 1111

Money Advice Service - 0800 138 7777

Debt Advice Foundation - 0800 043 40 50

Their websites also have lots of information, self-help tools and a webchat service.

Online help

Online tools can help you with budgeting and to deal with your debts. 

To help you work out a budget:

To produce a personal action plan for dealing with your debts:


Last updated 11 Jul 2017 | © Shelter

If you need to talk to someone, we’ll do our best to help

Get help

Was this advice helpful?

Email a link to this article

Thank you - your message has been sent.

Sorry! - your message has not been sent this time.

Please contact #########

Was this advice helpful?

Thank you - your feedback has been submitted to the team.

Sorry! - your message has not been sent this time.

Please contact website@shelter.org.uk