Tell us what's going on. We'll listen without judgement, then introduce you to a regulated debt specialist who can talk you through your options.
Whatever's keeping you up at night, you won't be the first person to tell us about it, and you won't be judged for it.
Missed payments, reminders, summonses or liability orders.
02Bailiff & enforcementLetters, visits or notices of enforcement that feel frightening.
03Credit cardsBalances that never go down and minimum payments biting.
04Loans & overdraftsPersonal loans, payday lending and overdrafts stacking up.
05HMRC & tax debtSelf-assessment, tax credit overpayments and HMRC letters.
06Utility arrearsGas, electric and water bills that have run away from you.
07Catalogues & BNPLCatalogue accounts and buy-now-pay-later balances mounting up.
08Multiple debtsA mix of everything, and no idea where to start. That's okay.
We're an introducer, we don't give debt advice ourselves. Our job is to make the first step easy, then put you in front of the right people.
STEP ONE
Request a callback or send a message. A friendly member of our team gets in touch at a time that suits you.
STEP TWO
No scripts and no judgement. We take the time to understand your situation and gather the details that matter.
STEP THREE
With your consent we pass your details to a regulated debt specialist, who can advise you on the options available.
Most people put off dealing with debt because the first step feels like the hardest. We built PHMD to change that.
You'll speak to a real person who listens before anything else. No judgement, ever.
What you tell us stays between us and the specialist you choose to be introduced to.
We're an introducer. We'll always be straight with you about what we do, and what we don't.
Speaking to our team costs nothing, and you're never obliged to go ahead with anything.
You don't have to use our service. These organisations provide free, impartial debt advice to anyone in the UK.
Free, government-backed guidance on money and debt.
moneyhelper.org.uk →Free debt advice and solutions from the UK's largest debt charity.
stepchange.org →Free, independent debt advice over the phone and online.
nationaldebtline.org →Free, confidential advice on debt and much more.
citizensadvice.org.uk →We'll ask what's going on and listen. There's no script, and nothing you need to prepare beforehand.
You decide whether to take things further. You are never obliged to go ahead with anything.
If it's right for you, we'll introduce you to a regulated specialist who can advise on your options.
No. Please Help My Debt is an introducer. We don't give debt advice or recommend debt solutions ourselves. We listen to your situation and, with your consent, introduce you to a regulated debt specialist who is able to advise you.
No. Speaking to our team is free and you're under no obligation to take things further. If we introduce you to a specialist, we may receive a payment from that firm, this never changes what you're asked to pay.
A member of our team will contact you at a time that suits you. We'll listen to what's going on, take a few details, and, only if you're happy, introduce you to a regulated specialist who will talk you through the options available to you.
Yes. Your details are handled in line with UK data protection law and are only shared with the specialist firm we introduce you to, with your consent. We never sell your data.
Any unsecured debt that's worrying you: council tax, bailiff or enforcement action, credit cards, loans, overdrafts, HMRC and tax debts, utility arrears, catalogues and more. If you're not sure, just ask.
Not at all. Free, impartial debt advice is available from MoneyHelper, StepChange, National Debtline and Citizens Advice. We list them on this page because we believe you should always know all of your options.
Tell us a little about what's going on and a friendly member of the team will be in touch.
0161 000 0000 · TBC
Monday to Friday, 9am to 6pm
Saturday, 9am to 2pm
A member of the team will be in touch soon.
One short, friendly conversation is all it takes to get started. No pressure, no judgement, just real support.
Start the conversation
