Debt advice

Authorised and Regulated by the Financial Conduct Authority

debt advice

How do we help?

We help people get a handle on what they owe and work alongside them to make a realistic plan for repaying their debts.

Our free debt advice service can contact creditors on a person’s behalf to explore and negotiate options like repayment holidays and more realistic repayment plans.

Our debt advice centres support people with debt ranging from a few thousand pounds to many tens of thousands of pounds.

What do we do?

We work with our clients and creditors in a number of ways:

  • Understanding the level and type of debt
  • Reviewing our clients’ financial situation to find ways to raise income and reduce expenditure
  • Developing and agreeing a realistic debt solution
  • Negotiating with creditors on behalf of our clients to freeze any existing interest payments and agree a mutually acceptable payment plan
  • Supporting our clients during the repayment process and renegotiating the plan should circumstances change
  • Providing money education to help change habits and minimise the chance of debt recurring in future


Our Debt Advice Centres are located in:

For those people who do not have a ‘local’ debt advice centre, support can be provided online by emailing

Your nearest Salvation Army


Saving money

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