National Debtline
National Debtline offers free, confidential, and independent advice on a variety of debt issues, including bankruptcy, court actions, and dealing with creditors. They provide self-help information packs, web guides, and support for debt management plans, debt relief orders, and individual voluntary arrangements. The service is tailored for residents of England, Wales, and Scotland, due to differences in debt law. Operating hours are Monday to Friday from 09:00 to 21:00, and Saturday from 09:30 to 13:00. A 24-hour voicemail and email service is also available via their website. The service is run by the Money Advice Trust charity and is free for the general public.
Updated 15 Dec 2025
Expected outcomes
- Receive tailored debt advice
- Access self-help information
- Discuss debt management plans
- Explore debt relief orders
- Consider individual voluntary arrangements
Call preparation
Assemble everything before you dial. These requirements are verified by our call analysts and updated as organizations change their scripts.
- Personal details
- Debt details
- Income information
- Expenditure information
- List of creditors
- Outstanding balances
Known issues
While there are no specific known issues reported, it's advisable to call during non-peak hours, such as early mornings or late afternoons, to reduce wait times. If the line is busy, consider using the 24-hour voicemail or email services available on their website. Ensure you have all necessary information ready, such as personal and financial details, to make the call more efficient. The service is free and confidential, so feel comfortable discussing your financial situation openly to receive the best possible advice.
