Money Wellness

Debt help:

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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.

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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

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Independent Service Rating based on 4013 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

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debt advice

20 Sep 2023

Telling a new partner about your debt

Married at First Sight UK returned to our screens this week. To celebrate its return, we've looked at the best way to speak to a new partner about debt

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debt advice

18 Aug 2023

9.8 million people aren’t confident in making financial decisions

A new study highlights people aren't confident in making financial decisions. Worryingly, 17% wrongly believed seeking free debt advice would impact their credit score - it won't. Here we clear up some myths and roundup what extra money support is available if you're struggling

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debt advice

27 Jul 2023

Have your say on changes to gambling laws to make the sector safer for all

The Gambling Commission is calling for people to have their say on proposed changes to gambling laws to make them fairer for all

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debt advice

20 Jul 2023

What does Consumer Duty mean for you?

With just days to go until Consumer Duty comes into effect, we take a look at the changes and what it’ll means for you as a customer

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debt advice

10 Jul 2023

Money Wellness highlights support needs of vulnerable customers in debt

We were invited to speak at two big events last week to help highlight the extra support some customers may need when they find themselves struggling with problem debt

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debt advice

29 Jun 2023

The Samaritans deliver resilience training at Money Wellness

Some of our advisers recently took part in Samaritans resilience training to support their own mental wellbeing wellbeing

Why choose Money Wellness