The Best Free Debt Management Resources

https://www.citizensadvice.org.uk/

Consumers can get free debt advice on the Citizen Advice website, or talk to trained advisers via live chat or on the phone. Additionally, they can find hundreds of guides on dealing with debt, cost of living, borrowing money, pensions, mortgages, etc.

The website also offers free budgeting tools and spreadsheets, templates for different consumer letters, debt remedy tools, and much more.

https://www.stepchange.org/

The Step Change debt charity service provides consumers with free advice resources on debt and even offers free debt solutions like DMPs, IVAs, and DROs. Additionally, debtors can use the website to get advice on bankruptcies, equity releases, and mortgages.

To easily get information on their situation, debtors can use the benefits, card repayment, and debt consolidation calculators available on the website.

https://nationaldebtline.org/

National Debtline is another free advice service available online and on the phone. Consumers can contact their advisers and seek help with their debt, ask questions, and receive assistance with budgeting.

In addition, the National Debtline website offers free debt resources like budgeting tools, libraries with fact sheets and sample letters, as well as a cost of living hub.

https://www.debtadvicefoundation.org/

Consumers who need assistance with their debt can seek free advice from the Debt Advice Foundation website or their national debt helpline.

In addition to providing free advice, the foundation also provides free debt solutions like IVA, DRO, and DMP, and has plenty of resources on other topics like bankruptcy, debt consolidation, and cost of living support.

Moreover, the Debt Advice Foundation website also provides several useful tools, like a personal debt analyser, a budget planner, and a benefit entitlement guide.

https://www.payplan.com/

Debtors in need can use the PayPlan website to contact advisers online, or call them on the phone and receive free guidance on dealing with debt.

They can also use the information and resources on the website to learn about different types of debt and get help with debt solutions like IVA, MAP, DMP, and DAS.

Finally, the BudgetSmart tool can help debtors manage their budgeting for various expenses.

https://moneyplusadvice.com/

MoneyPlus Advice is a company that provides free debt advice, but the debt management services it offers are not free of charge.

Regardless, the website offers tons of helpful information for free, which consumers can use to learn about different types of debt, as well as the debt solutions they can use to tackle their financial hardships.

https://www.communitymoneyadvice.com/

CMA is a free service available online that helps consumers with different areas of budgeting and money management, including dealing with debt.

Debtors can use the CMA website to find plenty of useful debt resources like budgeting tips, self help guides, and a pro rata debt repayment calculator sheet.

https://www.moneywellness.com/

Money Wellness is another advice service where debtors can receive assistance and guidance for free. In addition to advice, consumers can use the Money Wellness website to get a free debt management plan, and learn about other debt solutions like IVA and DRO.

Beyond debt problems, there are plenty of useful resources on boosting income, minimizing costs, and tools for budgeting and planning finances more efficiently available on the website.

https://businessdebtline.org/

Business Debtline is a non-profit service that specializes in debt management and advice for self-employed debtors and those who own small businesses. It offers free advice and assistance related to dealing with debt online and over the phone.

Additionally, its website contains tons of free guides and resources with useful information on a wide range of debt issues, offers a free budgeting tool, and dozens of sample letters for dealing with creditors, lenders, and bailiffs.