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Help with debt

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 looking to get help from a registered debt adviser, they may be able to help you get protection called a 'breathing space'. If you have a 'breathing space' protection, you will not be contacted about paying off your debts for up to 60 days. This gives you time to improve your financial situation, so you're ready to start paying off your debts once the protection ends. Ask your debt advice provider for more information about breathing spaces.

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).

Debt advice services

Agency Service offered Service offered
Citizens Advice (Middlesbrough)
  • In person
  • Phone
  • Email

Citizens Advice provides free, independent, and confidential advice. Whether you need help with benefits or debt, housing or work, Citizens Advice can help. They offer expert advice on key issues like energy, scams, consumer rights, and more.

Getting help in person

Monday, Wednesday, and Friday, 10am to 1pm

9 Linthorpe Road,
Middlesbrough,
TS1 1TH

You can also make an appointment to get help at a Community Hub

Getting help by phone or email

Monday to Thursday (9am to 4pm) and Friday (9am to 3pm)

Phone: 01642 802282

Email: advice@mcab.org.uk

Find out more on the Middlesbrough Citizens Advice website

Citizens Advice (national)
  • Online (chat)
  • Phone

You can get debt advice from a Citizens Advice advisor by online (by live chat) or by phone.

Getting help online

Citizens Advice live chat

Opening hours: Monday to Friday, 8am to 7pm

You can also find advice on the Citizens Advice website

Getting help by phone

Phone: 0800 240 4420

Opening hours: Monday to Friday, 9am to 5pm

Cleveland Housing Advice Centre
  • In person
  • Phone

Cleveland Housing Advice Centre offers free advice to people having problems with welfare benefits, mortgage and rent arrears, enforcement agents, and county court action.

Getting help in person

Call 01642 254544 or visit Cleveland Housing Advice Centre to book an appointment.

Opening times: Monday to Friday, 9am to 5pm

Address: 16 Borough Road,
Middlesbrough,
TS1 5DW

Getting help by phone

Phone: 01642 254544

Opening times: Monday to Friday, 9am to 5pm

Debt Advice Foundation
  • Phone
  • Online (general)

Phone: 0800 622 6151

Opening hours: Monday to Friday, 8am to 6pm

You can also find advice on the Debt Advice Foundation website

Firm Foundations (Middlesbrough and Stockton Mind)
  • In person

Firm Foundations can help you with debt or financial problems, as well as other problems like poor housing, alcohol or drugs, and benefit issues. To get started, you can get in touch by phone or email.

Phone: 01642 257020

Email: firmfoundations@middlesbroughandstocktonmind.org.uk

Middlesbrough Environment City
  • In person

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.

You can call or email to book a one-to-one appointment with an advisor.

Phone: 0800 304 7084

Email: warmhomes@menvcity.org.uk

National Debtline
  • Online (chat)
  • Phone

Getting help online

National Debtline live chat

Opening times: Monday to Friday, 9am to 8pm, and Saturday, 9:30am to 1pm

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.

You can also find general advice on the National Debtline website

Getting help by phone

Phone: 0808 808 4000

Opening times: Monday to Friday, 9am to 8pm, and Saturday, 9:30am to 1pm

PayPlan
  • Online (chat)
  • Phone

PayPlan offers debt advice through a live chat service, email, or phone. You'll need to answer some quick questions about your debt first.

Getting help online

PayPlan live chat

You can also find general advice on the PayPlan website

Getting help by phone

Phone: 0800 280 2816

Opening hours: Monday to Friday, 8am to 8pm, and Saturday, 9am to 3pm

StepChange Debt Charity
  • Online
  • Phone

Getting help online

StepChange's online debt advice tool will give you debt advice tailored to your situation. You'll need to give details of your debts, income, and spending first.

You can also get general advice on the StepChange website

Getting help by phone

Phone: 0800 138 1111

Opening hours: Monday to Friday, 8am to 8pm, and Saturday, 8am to 4pm

Tully
  • Online

Tully helps you put together a free, accurate budget online. Once your budget is complete, they'll share it with your lender or supplier. It will show how much you have coming in and going out each month, so your lender or supplier can offer you the best support.