We are one of many organisations that provide debt free advice. If you like to learn more information about other sources of free debt advice and help, you can visit the money advice service website.


  • You will receive our expert debt advice within 20 minutes from Free Debt Helpline
  • Completely Anonymous
  • Solutions and Recommendations to whatever situation you have.
  • Support available via email, live chat and phone


How it works? 


Tell us about your finances: 

Give us information regarding your debts and household spending.

We will help you create a budget: 

Have an idea of where your money goes

You will receive free debt advice: 

Read your personal action plan for practical and detailed advice


Frequently asked questions: 

Online Debt Tool will give you the best advice based on your situation. Common debt solutions include debt management plans (DMP), individual voluntary arrangements (IVA), bankruptcy, debt relief orders (DRO) or if you live in Scotland, a trust deed or a debt payment plan via the Debt Arrangement Scheme (DAS), but we will recommend what is right for you.

Our advice is based on the following;

If you could fully repay your debt over a reasonable period of time, we will recommend a debt solution based on repayment over an insolvency solution. An insolvency solution will write off some or all of your debts but it will also have a more of a dangerous impact of your chances in obtaining future credit.

We will advise you on your recommended solution and also inform you of other solutions that are right based on your circumstances. This may include debt solutions that we cannot provide for you and if this is the case, we will inform you of other sources of help and information.

Online Debt offers the same expert advice as you would get using our telephone service. We will help you create a personal budget and take details regarding your debts. We will then use this information to work out which options are right for you. Once you have completed the online debt tool, an debt advisor will be in touch with you to discuss your options within 2 hours.

After you have completed the Online Debt Tool, we will give you practical and clear advice about how to deal with your debts. We will also provide you with some simple steps to follow on how to get things started. This will include instructions on how to deal with your creditors while you are getting things started.

You can go through a full debt advice session by using Debt Remedy. However, if you rather to receive advice over the phone you can call our Helpline on 0203 883 8698.