Getting debt advice from Money Wellness

It can be difficult talking about money. But if you’re struggling to cover all your costs, it’s not a good idea to bury your head in the sand.

We want to make it as easy as possible for you to get the support you need. To help with this and so you know what to expect from our free debt advice, we’ve put together a simple guide.

We’ve helped 1,000,000+ people. And we can help you.

Customer service phone line talking with a customer

So how does our debt advice work?

You can start your debt advice journey online or over the phone. And you can switch between the two channels at any time.

Before you begin your journey, it’s a good idea to gather together any documents that show how much money you have coming in and what you spend that money on. This might include:

bank statements
benefit letters
utility bills
payslips
credit card/loan statements

Man on sofa browsing phone for debt help

Money worries? Get free debt advice today

Or learn how Money Wellness can help with free debt advice.

All our debt advice is free. Some solutions are free. For others, there’s a fee.

Get started

First things first

To make sure you’ve come to the right place, we’ll start by asking a few questions about your situation. We can help you with your financial wellbeing in a whole host of ways from budgeting tips right through to setting up a debt solution.

Your debts

Once we’ve established you’re in the right place, we’ll need details of your debts. We can get this information from your credit file – this won’t affect your credit rating.

Or you can provide the details yourself. If you prefer to do it this way, it’s helpful to have the information to hand when you start your journey. But you can always take a break to find it and come back later.

A budget you can stick to

Once we have details of your debts, we’ll ask you about the money you have coming in and your living costs. Using this information, we’ll come up with a realistic budget that you can stick to. Your new budget will show us if you have any money left over to pay towards your debts.

A way forward

By this point, we’ll have enough information to suggest a way forward that works for you. This could be anything from budgeting support through to a debt solution.

By your side

If we recommend a debt solution and you decide to go ahead, you’re in safe hands with us.

We’ll:

talk you through the process in detail
deal with lenders on your behalf whenever we can
help get your solution up and running where possible
be on hand to answer any questions you have

Two people talking about finances over coffee

Boosting your income

As part of your debt advice journey, we’ll also see if we can help you increase your income. We’ll check whether you can get any benefits you’re not currently claiming and look into any grants you can apply for.

Start your journey

Our online debt advice is available 24/7 so you can access it at a time and place to suit you. If you prefer to start your journey over the phone, call us on 0161 518 8285. We’re here to help seven days a week:

Monday to Friday 8am – 8pm

Saturday and Sunday 10am – 4pm

Start your debt advice journey today, so you can live more and stress less.