Need debt support?
You’re not alone. Millions of households are struggling with debt.
And it’s getting worse, according to analysis by Debt Justice, The Financial Conduct Authority and many other researchers.
Debts can make you feel unwell, anxious, stressed and scared, especially if you are dealing with them alone. Talking with someone you trust can take some of the pressure off, help you to find a way forward that’s right for you and feel less on your own.
Be careful. There are many unscrupulous firms which want to make money from your misery. For example, an investigation by The Bureau of Investigative Journalism and Channel 4 news revealed the individual voluntary arrangement (IVA) industry to be “a wild west rife with misinformation, hidden fees and murky advertising tactics.”
Debt Hacker can’t offer you debt support directly, but there are some organisations which can.
If you need help with existing debts or managing your money, we suggest you visit or contact the following organisations:
Debt Camel – useful information without jargon
A personal, non-commercial blog launched in 2013 by a former debt advisor, the Debt Camel website answers many common questions and includes many independent, impartial articles to help its readers understand different debt options.
Citizens Advice
https://www.citizensadvice.org.uk/
Online articles and information here. Depending on where you live, you can discuss a debt issue with a trained adviser online (usually available 9am to 8pm Monday to Friday and 9.30am to 1pm Saturday). And find your local Citizens Advice (in England and Wales) here. If you are in Scotland, visit the Citizens Advice Scotland website here.
National Debtline
https://www.nationaldebtline.org/
A national charity providing free, impartial, expert debt advice to more than 100,000 people each year and helping people manage their debts for over 30 years. You can phone, use its webchat or Digital Advice Tool to get free advice from a team of expert debt advisers. Also publishes a wide range of useful factsheets and articles.
StepChange Debt Charity
The UK’s most comprehensive debt advice service. Since 1993, StepChange has helped 7.5 million people with debt problems take back control of their finances and their lives.
Christians Against Poverty
https://capuk.org/i-want-help/our-services/cap-debt-help/introduction
Offering a free debt help service (to anyone regardless of their religious beliefs or faith).
Samaritans
Whatever you're going through, a Samaritan will face it with you. Available 24 hours a day, 365 days a year – call, free at any time, from any phone on 116 123.
Advice NI
https://www.adviceni.net/money-debt/debt
A registered charity founded in 1995. If you live in Northern Ireland, its Debt Service can provide advice and information to help you take back control of your finances.