Need debt help?

Get free anonymous debt advice from the UK's leading debt charity

We have been helping people in debt since 1993. Each year our debt counselling experience helps around 400,000 people with their debt problems, with over 100,000 on a debt management plan.

Free debt help is available online now with no commitment and a completely private consultation about your debt problems with CCCS Debt Remedy.

Get debt help now >

Client login

Top

DMP login

Use your client reference number to log in and manage your CCCS DMP. Check your balances, transfer debts and set up a direct debit.

Continue >

Return to Debt Remedy

Part way through Debt Remedy? Use your web reference number to complete your session and receive a personalised advice booklet.

Continue >

Debt Advice

Top

How we can help

Money worries can spiral quickly into problem debt so it's crucial you seek debt help early if you're struggling. We offer expert debt advice over the phone alongside our online service, Debt Remedy, available, 24 hours a day.

Continue >

Dealing with debt problems

Behind with repayments? Feeling under pressure to make payments you can't afford? Our debt problems pages can help ease the stress and worry by explaining what creditors can and cannot do to collect money.

Continue >

Debt Solutions

Top

A range of debt solutions to help you

As a charity we can offer a wide range of debt solutions to help you become debt free as quickly as possible.

Debt consolidation or borrowing more money often leaves you in a worse position. We offer practical solutions based on realistic advice.

Debt management plans

Our debt management plans are free of charge so you can be sure that every penny you pay goes towards paying off your debts.

We support more than 100,000 clients on debt management plans. Find out if a debt management plan is right for you by using CCCS Debt Remedy.

Individual voluntary arrangement (IVA)

An IVA is a form of personal insolvency and a unique way of resolving unmanageable debt where part is repaid and part is written off.

Through our award winning IVA service, CCCS Voluntary Arrangements, we are helping 1,000s of people become debt free.

Bankruptcy

Personal bankruptcy could be a way to deal with your debt but it is not a decision to be taken lightly and you should always get expert advice first.

We can advise whether bankruptcy is right for your circumstances. We also provide additional help through our bankruptcy support team.

Debt relief order

A debt relief order (DRO) is a form of insolvency for people with a small level of unmanageable debt and very few assets.

A debt relief order could see you debt free in a year. If you qualify, our specialist DRO team can apply to The Insolvency Service for you.

Equity release

If you're a homeowner and aged 55 or over equity release offers the ability to unlock money from your home while you still live there.

Our award winning equity release advice service provides free, unbiased and whole of market advice in this complex and specialist area.

InfoCentre

Top

Our CCCS InfoCentre is an easy to use knowledge base containing information to help you manage your debts, deal with your creditors and look after your money.

Debt advice varies across the UK as different laws apply in different countries. Select the country you are resident in to get the most appropriate information for you.

England & Wales | Scotland | Northern Ireland

Popular pages

Contact

Top

Helpline

Our FREEPHONE helpline is open from 8am-8pm Mon-Fri and 9am-3pm Sat. All calls from mobiles are FREE.

0800 138 1111

Calls may be monitored and recorded for quality and training purposes.

Request a call back

If you're contacting us for the first time we can arrange for a member of our team to call you on your preferred number.

Continue >

Get our newsletter

Continue >

We're on your favourite social network. Follow or friend us, add us to your circles, and watch our videos.

Read our blog

The MoneyAware debt blog is an informative look at personal debt and money saving. We can help you avoid problem debt.

Continue >

Keep in touch

For full details of all the ways you can get in touch - including sending an email or writing to us - visit our main contact page.

Continue >

More Info

Top

Credit card debt problems

If you are worried about your credit card debt, you are not alone. Credit card debt is one of the biggest contributors to debt problems in the UK.

We will help you to find the best solution to pay off your credit card debt, and as the UK's leading debt advice charity you can be sure that our advice will be confidential, impartial and absolutely free.

Debt consolidation loans

Some people are tempted to consider consolidating debts as a way to resolve their financial problems. Unfortunately this can often be risky, expensive and you can end up in a worse financial position.

If you are worried about your debts and are considering a debt consolidation loan, talk to us or use CCCS Debt Remedy which will give you a recommendation in only 20 minutes.

Need free debt advice?

As a registered charity, we provide free, impartial debt advice in complete confidence. We look carefully at your circumstances and recommend the best solution for your debt problems.

Our online debt counselling service, CCCS Debt Remedy, can give you an assessment of your financial situation and tailored debt advice in under 20 minutes. This service is completely anonymous and no commitment is required.