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Friday 14th June 2024

Round up of the best debt charities in the UK

best debt charity uk

Did you know that the average household in the UK has £7,337 in unsecured personal debt, £2,229 of which is credit card debt? £7,337 is a considerable amount, especially in today’s climate of the cost-of-living crisis, where it’s almost inevitable that these numbers will be even higher in 2023.

The new year often comes the desire to make changes and take steps towards life improvements. If paying off debt is an area of your life you want to tackle in 2023 but need help figuring out how to get started, keep on reading.

Today’s article will share information about five of the UK’s leading debt charities. All these will give you free debt advice and help you with the proper steps to get started on your debt-free journey.

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StepChange Debt Charity

StepChange is the UK’s leading debt charity. Every year the charity helps 600,000+ people deal with debt problems by providing free debt advice and practical support.

Moreover, the advice given isn’t generic; it’s tailored to the individual’s financial situation following a thorough investigation into their circumstances.

Even if you want to avoid going down the 1-2-1 support route, the website has a wealth of resources available to help you tackle debt and improve your financial literacy.

For more information, visit the Stepchange.org website.

Citizens Advice

You’re probably familiar with Citizens Advice for accessing confidential information and advice about legal, consumer and housing problems in the UK. But did you know that they were an excellent place to turn to discuss debt issues?

The Debt & Money section on the Citizens Advice website shares much information on tackling debt.

Citizens Advice also provides you with all the practical information you need to make sound financial choices, covering everything from dealing with your debt problems to avoiding losing your home and getting your finances back into shape.

National Debtline

National Debtline is a debt advice charity run by the Money Advice Trust. National Debtline is a free and confidential debt advice service for residents in England, Wales and Scotland. People can access this free debt advice over the phone and online.

They recently introduced a cost-of-living hub to help you determine if you can pay less for your living costs and learn about any extra help that might be available.

For further information, visit the nationaldebtline.org website.

Debt Advice Foundation

Debt Advice Foundation is a registered national debt advice and education charity that offers free, confidential support and advice to people in debt and worried about loans.

The advice given is impartial and tailored to you and gives you the best plan to help you transform your financial situation. So if you need help creating an effective debt management plan, Debt Advice Foundation is an excellent organisation to turn to.

To find out more, visit the debtadvicefoundation.org website.

Christians Against Poverty

Christians Against Poverty is a Christian charity founded in West Yorkshire by John Kirkby in 1996.

The charity provides resources to help people get out of debt, find a job or gain vital life skills. Christians Against Poverty offers free professional services across the UK through local churches.

Although this charity is much smaller than the others mentioned in this post, they have significantly impacted communities across the UK, having helped over 20,000 people get out of debt since 2010.

Photo by Amy Hirschi on Unsplash

Tolu Frimpong

Mouthy Blogger

Tolu is a Money Coach and Content Creator, passionate about helping others break the payday-to-payday cycle and achieve their financial goals, through the power of intentional budgeting, saving and investing. When she’s not talking about money you can find her spending time with her 3 boisterous boys.

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