Debt getting on top of you?
Let's find your way out.
Help with credit card debt
Answer five quick questions and see the debt solutions people in your situation look at. Then, if you want, speak to an FCA-authorised adviser for a full review.
Free debt check
Step 1 of 5See exactly how we help you
No jargon and no pressure. Watch how it works, from that first worried moment to a clear plan.
- UK company, Bradford
- Free and confidential
- No obligation to go ahead
Debt help that feels human, fast and on your side
Talk to a friendly UK team, not a chatbot
Tell us what's going on in your own words. We listen, explain your options clearly and never rush you.
Free to use
No cost and no obligation to go ahead.
No credit search
Checking your options won't affect your credit score.
Open late, 7 days a week
10am to 10pm, including weekends, because money worries don't keep office hours.
UK company you can check
Voice Nation Ltd, Bradford. Registered with the ICO (ZC118190).
Three steps from worried to a clear plan
No paperwork to start and no pressure at any point.
Take the free check
Tell us roughly what you owe, where you live and how things stand. No documents, no credit search.
Talk it through
A friendly member of our UK team calls you, checks the basics and explains how each option works.
Get a full adviser review
We introduce you to an FCA-authorised debt adviser who looks at your whole budget. You decide what happens next.
See the options where you live
Debt solutions differ across the UK. Choose your nation to see what's available, how long it lasts and the main trade-offs.
General information, correct at the time of writing. Eligibility, fees and consequences depend on your circumstances. Formal solutions are legal processes with serious consequences, so get regulated advice before choosing one.
How much of your pay goes on debt?
Drag the sliders or type your figures. Nothing is stored or sent anywhere.
- Under 20% Usually manageable, though a budget review can still help.
- 20% to 40% Getting stretched. One unexpected bill can tip things over.
- Over 40% Under real pressure. It's a good time to talk to someone.
Cards, loans, car finance, catalogues. Leave out rent or mortgage. Example figures shown.
Whatever you owe, start with one conversation
Letters piling up, calls you're avoiding, bills you can't cover. You're not the only one, and it's never too early or too late to talk.
Know your rights before you pick up the phone
Plain-English guides to the questions people ask us most.
Debt Relief Orders (DROs): eligibility, limits and how to apply
Who qualifies, the debt and income limits, and what happens during the 12 months.
IVAs explained: how an Individual Voluntary Arrangement works
How an IVA is set up, what you pay, and the risks to weigh up first.
Breathing Space: 60 days' protection from your creditors
How the 60-day scheme pauses creditor action and freezes interest.
Bailiffs: what they can and can't do
Notice periods, visiting hours, forced entry and how to stop fees rising.
Behind on council tax? Here's what happens and what to do
Reminders, summons and liability orders, and how to get back on track.
County Court Judgments (CCJs): what to do when you get court papers
How to respond to a claim, pay in instalments, and protect your credit file.
A straight-talking introduction service
Online Debt Help is run by Voice Nation Ltd. We help you see the options available for dealing with your debt, then connect you with an FCA-authorised debt advice firm who can review your situation in full. No pressure, no judgement, and no obligation to go ahead.
We don't give debt advice and we don't charge you. If we introduce you to a firm, that firm may pay us a fee. That never changes the information we give you, and you're free to use any adviser you like, including free services through MoneyHelper.
- We'll never ask you to change your answers to qualify for anything.
- We'll never push you to sign up on a call.
- We'll tell you if we think free advice is a better fit.
Company details
- Trading name
- Online Debt Help
- Company
- Voice Nation Ltd
- Registered office
- Tradeforce Building, Cornwall Place, Bradford, BD8 7JT
- ICO registration
- ZC118190
- Phone
- 0800 368 9324
- WhatsApp us
Questions people ask before they call
Can't see yours? Call us on 0800 368 9324.
Is Online Debt Help free to use?
Yes. The online check and our call cost you nothing. If we introduce you to a debt advice firm, that firm may pay us a fee. Some debt solutions have fees, and the provider must explain them before you agree to anything.
Can I get free debt advice elsewhere?
Yes. Free, impartial debt advice is available from not-for-profit organisations. You can find one through MoneyHelper's debt advice locator.
Does the debt check affect my credit score?
No. We don't run a credit search. Formal debt solutions such as an IVA, DRO or bankruptcy are recorded on your credit file, usually for six years, and an adviser will explain this before you decide.
Can my debt really be written off?
Some formal solutions can lead to part of your unsecured debt being written off, but there is no general government write-off scheme. How much, if anything, depends on your income, assets and debts. Many people are better suited to an option that repays in full.
Do you give debt advice?
No. We give general information and, if you want, introduce you to an FCA-authorised debt adviser who reviews your full circumstances. You are under no obligation to go ahead.
What happens after I request a call?
A member of our UK team calls at the time you chose, checks a few basics and answers your questions. If you'd like a full review, we introduce you to an adviser. You can stop at any point.
Talk to a real person today
Free, confidential and no obligation. Our UK team is here from 10am to 10pm, seven days a week.