Charities that offer free help with debt

Free debt help is provided by a number of charities in the United Kingdom. The assistance from these organisations can also help borrowers deal with other types of bills that are in arrears. Find how to get help with debts from charities, churches, the Salvation Army, and other organisations including StepChange and even Citizens Advice, which is a government charity group.

Experts help clients with all different types of debt arrears. There is information on credit cards, mortgages, payday loans, car payment debt, log book loans, debts due to loansharks and more. Standard bank debt help is also provided. All of the charities provide free advice to clients, no matter if they are on a low income, benefits, or are well off.

National charities with debt help schemes

There are a few organisations that provide relief across all of the UK. They have multiple offices in cities and countries, including England, Wales, Northern Ireland, and Scotland. Some of these charities also provide free telephone consultations, video chats, online, or email support to borrowers who are seeking help paying or bring down their debts.

StepChange is maybe the biggest and well known debt help charity. They offer over 10 different assistance programmes and schemes to their clients. All of their advice and help is free. The charity is funded by the government, banks, councils, and even fees that are placed on loan companies. Not only can this charity help clients reduce or eliminate their debts that are in arrears, but they also offer budgeting advice, information on saving and employment, and more.

A number of free services are provided. StepChange offers some or all of the following types of charitable help. They include, but are not limited to, free DAS (debt arrangement schemes), Bankruptcy Advice, payment plans, protected deed trusts, mortgage help, debt relief orders (DRO), and many others. All of this also includes free money management advice/workshops. Call them at 0800 138 1111, email, or send an online request to StepChange at https://www.stepchange.org/contact-us.aspx.

The Money Advice Trust runs the National Debtline charity service. They also provide free help using chat, a toll free telephone number, email, webchat, and more. Tens of thousands of people across the United Kingdom can help with their debts and bills from this charity each year.

National Debtline will have clients create a budget first. Then the counsellors from the charity will go over the client’s financial situation, including their income, expenses, unpaid debts and loans, housing situation, and more. They have same letters for creditors for clients to use, the charity assists with debt relief orders, council taxes that are unpaid, and other needs. Ring the national charity at 0808 808 4000 to start the process, including webchats.

Citizens Advice is a free charity that is funded by the central government. They offer a number of resources to the low income, families on welfare, the jobless and others. The national charity address housing, legal, debt challenges, benefit applications and more. Whether it is a client in rent arrears, or a borrower paying high interest rates on a credit card, Citizens Advice is a place for free debt help and other bill paying assistance. They have centres all around the UK, and ring the Adviceline at 03444 111 444 or drop in at a free charity centre in your town.

Local and national not for profits and charities that offer help with debt

There are two main places to go. There are only debt centres in some towns and cities in the UK, such as London, Birmingham, Northern Ireland, Manchester, Glasgow and other major cities. The small towns and boroughs tend to not have these local charities. But borrowers can try churches or the Salvation Army charity organisations for debt help schemes.

Churches are sometimes part of CAP, or Christian Against Poverty. They offer free advice from debt centres. Coaches will be assigned to the client. They assess all the needs of the client, whether it is housing, food, credit or bank debt, or anything else. A plan is put into place to help the client with their bills and debts or other financial needs. CAP will help set up payment plans with lenders, IVA agreements and other solutions. More on getting free debt help from churches.

Community Money Advice (CMA) and the Salvation Army partner together to help families on a low or medium income pay their debts. Advisers will be assigned to each client. Not only Salvation Army centres offer these debt schemes, only some do. While many assistance programmes can be provided, the two main ones are debt management plans (DMP) as well as DRO relief orders. The Salvation Army can also give out free food, hot meals, and other help to the family. Find debt help centres from Salvation Army