Regional Debt Advice Across the UK
No matter where you are in the UK, access tailored information and guidance on a wide range of debt solutions. We provide dedicated resources for major cities to help you understand your local options.
Free debt advice and debt solutions are available across the UK. Keep in mind that devolved nations may have different options—for instance, Debt Relief Orders (DROs) allow writing off up to £50,000 of debt with a £0 fee in England and Wales, while Scotland uses different statutory mechanisms.
Use our Budget Balancer to assess your finances, explore government debt help, and plan for your future with the Credit Rebuilders Hub. Debt can be overwhelming, so we highly recommend visiting the Mental Health & Money Hub for additional support.
Before exploring the regional pages below, it can be helpful to read our detailed national-level guidance on Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and Bankruptcy. We also cover informal options like a Debt Management Programme (DMP). You can take our Debt Assessment to better understand your situation or use the Document Generator for creating formal correspondence to creditors.
IVA by Location
Find local information and guidance on Individual Voluntary Arrangements.
Learn more about IVAsWrite Off Debt by Location
Explore options for writing off unaffordable debt in your area.
Explore debt write-off solutionsDebt Management Programme (DMP) by Location
Access regional resources for setting up a Debt Management Plan.
Understand DMPsGovernment Debt Help by Location
Discover government-backed debt help schemes available near you.
See government schemesFree Debt Advice by Location
Find sources of free, impartial debt advice in your city.
Find free advice sourcesStop Debt Collectors by Location
Learn about your rights and how to deal with debt collectors locally.
Know your rightsDebt Consolidation Loans by Location
Compare debt consolidation loan options available in your region.
Compare consolidation loansClear Credit Card Debt by Location
Get local strategies for managing and clearing credit card debt.
Learn about clearing card debtMortgage After IVA by Location
Find specialist advice on securing a mortgage after an IVA in your area.
Read the post-IVA mortgage guideCredit Rebuilding by Location
Access local resources and plans for rebuilding your credit score.
Visit the Credit Rebuilders HubIndividual Voluntary Arrangement by Location
Find local information using the full term for Individual Voluntary Arrangements.
Learn more about IVAs