Debt
Citizen's Advice
Debt
If you owe money and you’re struggling to pay it back, there are actions you can take.
Help with debt - Citizens Advice
Debt solutions - Citizens Advice
Debt and money - Citizens Advice
Contact: Contact us - Citizens Advice
Talk to us online
Chat lets you talk to a trained adviser online. You can:
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talk to us about a debt problem - we can usually help between 9am and 8pm Monday to Friday and between 9.30am and 1pm Saturday
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talk to us about any other kind of problem - we can usually help between 9am and 5pm, Monday to Friday
Call our national phone line
You can contact an adviser through our national phone service. This connects you to a local Citizens Advice.
Adviceline (England): 0800 144 8848
Advicelink (Wales): 0800 702 2020
Relay UK - if you can't hear or speak on the phone, type what you want to say: 18001 then the Adviceline or Advicelink number
You can use Relay UK with an app or a textphone. There’s no extra charge to use it. Find out how to use Relay UK on the Relay UK website.
Adviceline is usually available 9am to 5pm, Monday to Friday - it's not available on public holidays. Some local Citizens Advice accept calls outside of these hours. You can check the opening times of your local Citizens Advice.
Adviceline is usually busiest at the beginning of the day.
If you call from a mobile, we’ll ask you to say your postcode. If you don’t have a postcode, use one nearby like a GP surgery, takeaway shop or taxi company. We'll use the postcode to find your local Citizens Advice.
There are a few parts of England we don’t cover yet. If you’re in one of these areas, we’ll give you other options when you call.
We’ll answer as soon as we can - at busy times you might need to wait up to an hour. If the wait is long, we’ll tell you about other ways to get advice. You can also try calling again later. If we can’t answer your call within an hour, the call will be disconnected.
Calls to Adviceline are free from mobiles and landlines. You can find out more more about our call charges.