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Debt advice

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If you're in debt, don't ignore the problem. The longer you leave it, the worse it will get. Take advantage of the free help available to get out of debt.

Some of us get into debt when we stop working because our income drops sharply, yet we still have the same expenses to pay. Changes in circumstances, like divorce, bereavement, illness and disability can also contribute to debt problems.

Make sure you get free debt advice if you need it. Ignore any texts, telephone calls or emails advertising debt advice services. Call Age UK Advice on 0800 169 6565 to find your nearest, free, reputable agency.

Before you go to a debt adviser, gather all the information related to your debts – overdue bills, letters from debt collectors, etc. This will help you and your advisor to list details of all creditors and debts, and decide how to approach them.

Your debt adviser will work in your best interests. They won’t judge you but will explore your debt in detail so they can negotiate with creditors on your behalf and advise you about welfare benefits you may be able to claim.

Use our online benefits calculator to find out if you’re claiming all the benefits you’re entitled to.

Where to go for help

National Debtline is the national telephone helpline for people with debt problems in the UK. The service is free, confidential and independent.
Tel: 0808 808 4000
opens link in new window www.nationaldebtline.co.uk 

Consumer Credit Counselling Service is a charity giving debt-counselling sessions (lasting about two hours) in person or by phone.
Tel: 0800 138 1111
opens link in new window www.cccs.co.uk

Money Advice Service provides tailored advice, both in person or by phone. It also has a wide range of printed material on financial matters.
Tel: 0300 500 5000
 www.moneyadviceservice.co.uk

opens link in new window Download the guide Money matters (PDF 2 MB)

opens link in new window Download the guide Managing your money (PDF 3.35 MB)

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Campaign

More money in your pocket

Age UK has launched the more money in your pocket campaign - to help us claim all the money we are owed. Last year‚ Age UK helped put more than £100 million in unclaimed benefits in the pockets of those of us in later life and our carers. Help us to do better this year.

We are grateful for the generous support of Dr Naim Dangoor CBE
and The Exilarch's Foundation

Your Age UK

Set your location to see what Age UK offers in your local area.

Age UK Advice:
0800 169 6565
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Useful website

  • National Debtline can offer practical advice and support on how to manage debt.

Useful information to download

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