Help today
If money is a worry right now
Please don't buy anything from us. Free, independent, specialist help exists today and for this it's genuinely better than anything we sell.
Please don't buy anything from us. Free, independent, specialist help exists today and for this it's genuinely better than anything we sell.
Free, impartial guidance backed by government. A good first call if you're not sure how serious things are or what your options look like.
Free debt advice and full debt solutions. They can negotiate with creditors and set up arrangements — things a planner cannot do and isn't permitted to do.
Free, confidential debt advice by phone and online, with template letters and a straightforward guide to dealing with creditors.
If things feel worse than money — if you're struggling to cope — they're free, 24 hours, on 116 123. Please use them.
Two reasons, and the first is the honest one: it's the right thing to do. If you're behind on payments or being chased, what you need is specialist debt help, and those organisations do it better than anyone charging for it.
The second is that telling somebody what to do about their debts is a regulated activity in its own right — not something a planner can do by being careful about it. So we describe, we ask, and we point you at people who are permitted and equipped to help.
Come back afterwards if you want to. Planning is genuinely useful once the immediate pressure is off and the question becomes how to stop it happening again. It's close to useless while the phone is still ringing.