Having problems with debt?

There are a number of ways to deal with your debts. What options you have depends on your circumstances, the amount of debt you have and what action your creditors have already taken.

Are you tired of creditor phone calls and letters? Late payment charges and interest payments making your payments increase and not decrease? Free and independent advice is available. We have been advising thousands of people for many years on debt problems, recommending solutions to suit each individual's circumstances. Whether you are employed, unemployed, a tenant or living with a partner - we can help.

Free consumer debt counselling

Debt free helpline offers free advice to help solve your debt problems. Our lines are open:

Monday-Thursday 8am-9pm
Friday 8am-5pm
Saturday 9am-1pm

Everything you tell Debt Free Helpline is strictly confidential.

Immediate help - no appointment necessary

If you're in debt, you need to take action to stop the situation getting any worse. Immediate debt help and advice is available. Our advisors will outline all the solutions available to help you make the right decision. Simply call our helpline or arrange a call back.

Subject to status. Conditions apply. Repaying debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term.