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Debt. It's more common than you think.

In the South West, over 700,000 adults struggle to make ends meet.  Join the 80,000 who have already benefitted from free debt advice from dedicated staff across our partnership of 9 FCA regulated debt advice charities across the South West.

Rent arrears

In the South West - where rents are some of the highest in the UK outside of London - thousands of people struggle to pay their landlords every month.

Council tax

This is one of the most common debts that we see.  Last year, a third of those we helped had fallen behind with their Council Tax payments.

Utility bills

No-one should have to go without heating or electricity at any time. Get help to repay your utility debt now before these vital services are cut off.

Credit Cards

It's easy to fall behind on your credit card payments. Last year, over a quarter of those we helped owed on their cards.


Many people struggle to repay their loans. We can help you with bank loans, payday loans But Now Pay Later as well as alternatives to payday loans and loan sharks.

Free, expert advice you can trust

We regularly ask those that have received our advice to rate us publicly on Trustpilot, one of the world's biggest review websites, and we're delighted to be rated as Excellent!

How to access our advice

During the pandemic we've had to temporally close our advice centres. We are still here for you and you can still access our free and impartial advice in the following ways:

In Person

We have locations across the South West through our partner agencies including local Citizens Advice and Independent Agencies.  Find your nearest Debt Free South West partner Advice Centre here


Give us a call on freephone 0800 138 3422, or use our form to request a callback.

Video Advice


Need to speak to an Adviser face-to-face but can't make it to one of our centres? Use our new Video Advice service.

WhatsApp & Text Message

Can't talk? No problem! Use WhatsApp or SMS Text message to drop us a message us on 07445 124 284.



Our Advisers can help you via the webchat feature on our website. To start a webchat, click on the orange button at the bottom of the page.

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