Debt Help Guides

Here at MMT we understand what it feels like to suffer from financial hardship. People experience financial difficulties for all sorts of reasons – maybe you’ve faced redundancy and lost your job, or your household income has decreased because of a relationship breakdown; perhaps you are unable to work because of accident or illness, or there has been an unexpected crisis. As a result, you might have begun to rely on credit cards or payday loans, and before you know it your minimum monthly payments are so high that your debt has become unmanageable.

If this is something you are currently experiencing you should seek help now, we recommend you contact one of the following:

Money Advice Service

You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.

Debt Counsellors Charitable Trust

0300 456 2726

A telephone-based specialist debt advice service for anyone living in England and Wales

National Debt Line

0808 808 4000

National Debtline has helped millions of people with their debts. They’ll talk you through options and give clear advice on how to take back control.

StepChange Debt Charity

0800 138 1111

StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.


0800 280 2816

PayPlan provides the debt advice and support to enable you to take charge of your finances and focus on living again.

Debt Advice Foundation

0800 043 40 50

Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.

Scottish residents can find out more about managing debt by reading the Debt and Information package, created by Scotland’s Insolvency Service.