Money Wellness

Debt help:

Get free advice today

All our debt advice is free and impartial.
Some of our solutions are free, others may attract a fee.
Find the best way forward for you by using our free online solutions finder.

Find my solution

Checking won’t harm your credit score

Moneywellness's Feefo rating
Money Helper

If we are unable to help you with all of your debts, or for further information and support to help you with your money troubles, please visit MoneyHelper.

Our debt advice

To make sure you’ve come to the right place, we’ll start by asking a few questions about your situation. If we think we can help with money guidance or debt advice, we’ll:

  • get a full picture of your situation

  • look at your income and living expenses

  • recommend the best way forward


let us do the work – we’ll create a budget
you can stick to


use our Solution Finder or
call us on
0161 518 8282

Average Customer Rating:
Independent Service Rating based on 5359 verified reviews. Read all reviews

We've helped 1,000,000+ people deal with their debt


Our debt advice is free but that doesn’t affect how good it is. And don’t just take our word for it, see what our customers say.

How you access our advice is down to you – our friendly advisers can chat to you over the phone or you can go through the entire process online. Whichever you prefer, we’ll only make a recommendation once we’re happy it’s what’s best for your individual situation.

If you prefer to speak to us, you can be sure you’ll be dealing with someone who is patient and non-judgemental. When choosing new recruits to the Money Wellness team, we look for warmth and a drive to help others.

Our advisers understand that everyone faces their own challenges and anyone can experience financial difficulties. We get to know the person behind the money worries. We consider your long-term financial wellbeing, as well as your immediate concerns.

Whether you need budgeting help or a formal debt solution, we’ll be by your side for as long as you want.

After getting to grips with your situation, we may recommend a debt solution. Some solutions are free. Others have a fee. We’ll make sure you’re aware of any costs up front.

When you come to us for debt advice, we’ll ask you a few questions so that we understand your situation and what you’re looking for. 

If we think we can help with money guidance or debt advice, we’ll dig a little deeper. Once we’ve really got to know you and the challenges you face, we’ll run through your income, living expenses and debts 

Once we have all of this information, we’ll be able to recommend the best way forward for you. 

Who should get debt advice? 

If you can’t keep up with your bills and debt repayments, you should seriously consider getting debt advice.

If you’re experiencing money issues, it’s best to get debt advice as soon as possible. The earlier you get help, the easier it will be to get back on track. 

Is debt advice from Money Wellness impartial? 

All the advice offered by Money Wellness is completely independent. We can talk you through all the options available to help you deal with your debt. It’s our job to find the best solution for your individual situation. 

What information will I need when I get debt advice? 

When you get debt advice, you will probably be asked about your income, living expense and debt. It’s a good idea to have this information to hand when you call us or start your online journey. 

Documents that may be useful include: 

  • wage slips 

  • benefit award letters 

  • household bills e.g. electricity, gas, water and council tax 

  • statements from creditors 

  • letters from bailiffs 

  • bank statements 

We offer a range of support if you’re struggling with debt. 

We can:  

There are also debt solutions, such as: 

Don’t worry. With your agreement, we can carry out a soft credit search. This will show all your creditor information, such as who you owe and how much you owe. A soft search doesn’t impact your credit score.

There's a way forward

No matter how worried you are, we can help. So get in touch if you’re struggling with any of these

  • Credit Cards

  • Payday Loans

  • Overdrafts

  • Store Cards

  • Rent and Council Tax

  • Utilities

Money Wellness blogs

AI image of  man on his phone surrounded by £1 coins and slots in gold. Gambling debt. Gambling legislation for online slot games

23 Feb 2024

New gambling regulation announced for online slot games

New limits for online slot games will be introduced from September to provide greater protection for gamblers

Image of an illustrated man carrying a huge red weight that say 'debt'. Find out about how debt solutions could help you

05 Feb 2024

Debt Relief Order applications at highest ever levels

There was a 31% increase in debt relief order (DRO) applications in 2023. Find out about different debt solutions and how they could help you

A worried looking woman going through her bills after Christmas

02 Jan 2024

Dealing with a financial hangover after Christmas

Find out how to tackle a financial hangover if you've overspent this Christmas.

A man places a bet on the football game he's watching on TV

21 Dec 2023

MPs call for cut to football gambling adverts to protect children

A report has called on the government to do more to protect people vulnerable to financial harm through gambling.

A worried woman goes through her finances in a room decorated for Christmas

06 Dec 2023

People urged to take a breath before borrowing for the festive season

With research suggesting 14 million of us will borrow to get us through the festive season, the Money and Pensions Service has urged people to take a breath before getting themselves further into debt.

A woman sits on the stairs with her head in her hands

27 Nov 2023

5.5 million women suffered economic abuse in the past year

One in five women in the UK have suffered economic abuse at the hands of a current or former partner in the last 12 months. Find out where to get help.

Why choose Money Wellness