FREE Debt Advice

Need access to FREE debt advice?

There are a number of organisations offering free, confidential debt advice.

Step Change free debt advice logo

StepChange Debt Charity provides free debt management and can offer you a complete counselling session on the internet using our online tool StepChange Debt Remedy. It only takes about 20 minutes to complete and will provide you with a customised recommendation. It is anonymous and free of charge.

Alternatively you can call their Helpline and speak to one of their advisors. They will collect information from you and if necessary will arrange an appointment with a debt advisor either straight away or at a time that suits you.

What do I need to prepare?

It really helps if you can have the following information to hand before you start the Step Change Debt Remedy process or call our Helpline:

  • Income, including any benefits or pensions
  • Household bills, including mortgage, rent, utilities and any missed payments
  • Other regular payments you make
  • Unsecured debts, such as credit cards, loans, overdrafts
  • Secured debts, including mortgages or secured loans
  • The value of any assets, for example your house, car or caravan
  • Any court orders or court paperwork you have

Learn more about their debt help.

StepChange Debt Remedy is available online 24 hours a day or call our Helpline, 8am to 8pm Monday to Friday, on 0800 138 1111.

 

CAB_logo free debt advice

Derbyshire Districts Citizens Advice Bureau can provide free, independent, confidential and impartial debt advice to help you deal with your money worries. Derbyshire Districts CAB provide advice over the phone or at numerous outreach sessions across the Erewash area and beyond.

To find out how to contact the CAB, please click here to visit the Derbyshire Districts CAB website.

 

DHA_logo - free debt advice

DHA provides direct help via specialist advice, advocacy and representation for families and individuals facing crisis, to prevent and alleviate homelessness, debt and housing difficulty.

Their free, independent and confidential services offer support and advice face to face or via the telephone. They also offer accessible training and skills development to a wide range of people to help reduce unemployment, and promote social and financial inclusion.

Click here to visit the DHA website for more information.

 

Consumer_Affairs_logo free debt advice

Consumer Affairs is an organisation offering debt and money advice to consumers via free guides and reports published on their website at www.consumeraffairs.org.uk

 

National debt line free debt advice

National Debtline offers free, independent and confidential advice on dealing with your debts.

Visit the website www.nationaldebtline.org or call 0808 808 4000.

 

Turn2us_logo - free debt advice

Turn2us is a charity that helps people in financial need to gain access to welfare benefits, charitable grants and other financial help – online, by phone and face to face through partner organisations.

The free, easy-to-use Turn2us Benefits Calculator can help you check the financial support available to you. It can help you to work out which means-tested benefits you are entitled to, how much you should receive and how to make a claim. It also signposts you to non-means tested benefits and other help that might be available.  Click here to visit the Turn2us Benefits Calculator.

 

daf_logo - free debt advice

Debt Advice Foundation is a registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt. Because they’re a debt charity, the advice they provide is impartial and based solely on what is best for you.

If you have a debt problem, Debt Advice Foundation can help you understand which options are available to you and will recommend the debt solution that is right for your situation. Their aim is to help you regain control of your finances by:

  • Reducing monthly repayments to a realistic and affordable level
  • Stopping creditors taking enforcement action against you
  • Protecting important assets such as your home

Click here to visit the Debt Advice Foundation website for more information.

 

 

 

 

Share

Staff Benefits

Responsible employers are always looking for ways to provide staff benefits to their employees. Financial worries are a huge concern to employers and workers alike. Debt can cause stress and depression which can lead to reduced productivity or even absences.

Staff benefits

Financial health check

Do you know what state your finances are in? If not, get a clearer picture of your financial health with our links to money advice and support. Get to grips with your finances today!

Health Check