Help if you’re struggling with debt

Money Advice Service

If you’re having major money worries, the last thing you might want to do is talk to a complete stranger about them. But it can be the best thing you can do.

Where to find free, confidential advice

Need someone to talk to about your finances?

If you’re struggling with money, you can talk to someone today, online, by phone or face to face. We have specially trained advisers who can help you start sorting out your financial problems.

Find free, confidential advice now using our free debt advice locator tool.

You don’t need to struggle on alone with your debt worries.

It’s always best to talk things through with an experienced debt adviser before you make a decision about what to do.

There are many ways to clear your debts and some are more well known than others.

The one that is best for you will depend on your personal circumstances.

A free debt adviser can help you make the right decisions so that most of your money will go to paying off your debts.

Meaning you could be debt free sooner than you thought.

A debt adviser will:

  • treat everything you say in confidence
  • give advice about better ways of managing your money
  • never judge you or make you feel bad about your situation
  • suggest ways of dealing with debts that you might not know about
  • always be happy to talk to you, however small or big your problem is
  • check you have applied for all the benefits and entitlements available to you.

Use our Debt Health Check tool to help you work out the best way to tackle your financial issues.

You might only need to have one conversation with an experienced debt adviser to make sure that your plan to manage or clear your debts is the right one for you.

If you need more support or don’t know where to start, you’re not alone.

Nearly half of people in debt told us they aren’t sure about the best way to pay off their debts, and that is where a debt adviser can really help you.

More than eight out of ten people who have got debt advice tell us they feel less stressed or anxious and more in control of their life again.

The people that let debts build up before they seek advice often find:

  • their cards are maxed out
  • things have spiralled out of control
  • no one else will lend to them, and
  • it takes much longer to pay back what they owe.

You can contact an adviser in a way that’s best for you – online, over the phone or face-to-face.

So join one of the hundreds of thousands of people we help each year and take the first step to being debt free.

This article is provided by the Money Advice Service.

Some important information about Rest Less Money

We want you to understand the positives, but also the limitations of using our site. We operate in a journalistic manner and therefore all information, guidance or suggestions provided are intended to be general in nature, and you should not rely on any of the information on the site in connection with the making of any financial decision.

When we set out to build Rest Less Money, we wanted to be a trusted place where you could find helpful information about financial matters affecting the over 50s. As a free to use resource, we try hard to provide the best information we can, but we cannot guarantee that we won’t occasionally make mistakes. So please note that you use the information on our site at your own risk, and we can’t accept liability if things go wrong.

Key things to remember when using Rest Less Money:

We do not offer financial advice – As a journalistic site, it’s important to know that we do not provide financial advice. You should always do your own research before choosing any financial product so that you can be certain it is right for you and your specific circumstances. If you are in any doubt, please seek professional financial advice from a regulated financial advisor.

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Accuracy of Information – We try to make sure that all the information provided on Rest Less Money is correct at the time of publishing as we want it to be the most helpful resource possible. Sadly, we are not perfect however, and so we can make no guarantees as to the completeness, accuracy, adequacy or suitability of the information available on the site.
Whilst we work hard to try and provide accurate information, deals and prices can change, so whilst they may be correct at the time of writing, providers may subsequently decide to alter them later – so always double check first.

A final note on the Rest Less Community Forums – always remember that anyone can post their opinion on the Rest Less Community Forums, so it can be very different from our own opinion and may not be factual or well researched. Always be wary of any content posted on the forums and be sure to do your own research and due diligence on anything suggested. 

We hope you find Rest Less Money a useful resource and we would welcome your feedback at [email protected] on how to make it even better. For more information on any of the above you can read our full terms and conditions.

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