There are several different debt advice services available to use for free.

Whichever service you decide to use you can expect to receive the following support:

• help completing a budget and clarifying your financial situation
• a non-judgmental discussion about your situation - advisers are happy to talk about your problems, however big or small
• suggestions on ways to manage your debts
• more information on the options available to you

How do you want to communicate?

The service you decide to use may really depend on how you wish to discuss your situation.

It may help to consider whether you would prefer to speak to someone on the phone, or work through things in your own time online.

Money Helper has a great directory of all the free services available so you can easily compare what’s out there and what may be right for you. They split services into online, telephone, and face-to-face.

If you find that doesn’t help then a good place to start could be reaching out to either StepChange or Citizens Advice. Both services are free, offer multiple ways to get in touch, and have an excellent range of advice and resources available on their websites.