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Free debt advice

If you're struggling with debt, it can be hard to think about anything else. There are lots of free advice services which can help you in person, online, or by phone.

If you're in debt, when you speak to us, we'll work with you to help find the most suitable option for you.

If someone is lending you money, they must be registered with the Financial Conduct Authority. If they are not, they may be an illegal money lender ('loan shark').

If you'd like to talk to someone about a loan shark, or report something suspicious, call the Illegal Money Lending Team on 0300 555 2222. Anything you say to the team is confidential (secret).

Services available in person

Agency Service offered Contact details Opening hours Website
Citizens Advice Citizens Advice offers free and confidential advice. They help with a range of problems including benefits, debt, relationships, housing, and immigration.

9 Linthorpe Road,

Phone: 01642 802282

Monday to Friday, 9am to 2pm Middlesbrough Citizens Advice website
Cleveland Housing Advice Centre Cleveland Housing Advice Centre offers free advice to people having problems with welfare benefits, mortgage and rent arrears, enforcement agents, and county court action.

16 Borough Road,

Phone: 01642 254544

Monday to Friday, 9am to 5pm Cleveland Housing Advice Centre website
Middlesbrough Environment City

Middlesbrough Environment City offers free advice about fuel debt (when you can't afford to pay your energy bills).

They will speak to energy companies on your behalf to help put payment plans in place, so you only make payments you can afford.

One to one appointments are available at community venues (like Community Hubs), or in your home. Appointments are available every week, from Tuesday to Friday.

Sandy Flatts Lane,

Phone: 01642 579820

Appointments are available from Tuesday to Friday Middlesbrough Environment City website

Services available online

Agency Service offered Website
Citizens Advice webchat Citizens Advice webchat offers debt advice from trained advisors, in real-time.

Citizens Advice debt webchat page

Chat available:

Monday to Friday, 8am to 7pm

Digital Advice Tool

The Digital Advice Tool is a free, confidential, online debt advice service from National Debtline.

You can find out what options you have to deal with your debts, and get a personal action plan to help you manage your money.

Digital Advice Tool website
PayPlan PayPlan offers debt advice through a live webchat service and email support after you've answered some questions about your income, expenses, and debts. PayPlan website
StepChange Debt Charity StepChange's webchat offers guidance and information to help you with general debt queries.

StepChange webchat page

Chat available:

Monday to Friday, 8am to 8pm
Saturday, 9am to 2pm


Tully helps you put together a free, accurate budget online. From your budget, they'll give you free debt advice and work out a plan personal to you.

They'll then contact the companies you owe money to and set up repayment plans you can afford, and support you to keep making the repayments.

Tully website

Services available by phone

Agency Phone number Opening times Website
Debt Advice Foundation 0800 622 6151 Monday to Friday, 8am to 8pm
Saturday, 9am to 3pm
Debt Advice Foundation website
National Debtline 0808 808 4000 Monday to Friday, 9am to 8pm
Saturday, 9:30am to 1pm
National Debtline website
PayPlan 0800 280 2816 Monday to Friday, 8am to 8pm
Saturday, 9am to 3pm
PayPlan website
StepChange Debt Charity 0800 138 1111 Monday to Friday, 8am to 8pm
Saturday, 8am to 4pm
StepChange website

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