Debt Remedy


MAS link

We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service website.

How it works


Tell us about your finances

Give us details of your debts and household spending


We’ll help you create a budget

Get a clear picture of where your money goes


You’ll get free debt advice

Read your personal action plan for detailed and practical advice

What is Debt Remedy?

Watch our video to find out how to use Debt Remedy, what it does and why it could help you get back

  • Expert debt advice in 20 mins from the UK's leading debt charity
  • Completely anonymous
  • Recommendations and solutions tailored to your situation
  • Support available via phone, email and livechat

Frequently asked questions

What debt solutions are available?

Debt Remedy will give you advice based on your circumstances and recommend a solution. Common debt solutions include debt management plans (DMP), individual voluntary arrangements (IVA), bankruptcy, debt relief orders (DRO) or, in Scotland, a trust deed or a debt payment plan via the Debt Arrangement Scheme (DAS), but we'll recommend the one that's right for you.

How do you decide what debt solution is suitable for me?

Our advice is based on the following: If you can repay your debt in full over a reasonable period of time, we'll recommend a debt solution based on repayment over an insolvency solution. An insolvency solution may write off some or all of your debt, but it may also have a more detrimental impact on your chances of obtaining future credit.

We’ll advise you of your recommended solution, and also inform you of other solutions that are appropriate to your circumstances. This may include debt solutions that we cannot provide for you and where this is the case, we’ll inform you of other sources of information and help.

How does Debt Remedy work?

Debt Remedy offers the same expert advice as you would receive using our telephone service. We’ll help you to create a personal budget and take details of your debts. We’ll then use this information to work out your options. You’ll get a personal action plan explaining what to do next.

What happens after I’ve completed Debt Remedy?

After you’ve completed Debt Remedy we’ll give you clear and practical advice about how to deal with your debts. We’ll also provide simple steps for you to follow to get things started. This will include instructions on how to deal with your creditors while you’re getting things set up.

Can I get advice over the phone instead?

You can go through a full debt advice session by using Debt Remedy. However, if you'd prefer to receive advice over the phone you can call our Helpline.

Over 220,000 people used Debt Remedy last year to take control of their debts.

Start now 

People we've helped

  • Your help and guidance helped me through just like you were holding my hand.

    - Jane, London

  • The professionalism and empathy from your staff is superb.

    - Barry, Devon

  • Your sensitive, responsive and efficient service has been wonderful.

    - Maggie, York

  • Always patient, professional and genuinely caring.

    - Brian, Lancashire