Straight answers about what we do, what we don't, and what happens when you get in touch.
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 every page because we believe you should always know all of your options.
No. It helps if you can give a rough idea of what you owe and to whom, but we can work with whatever you have. Nothing needs to be exact for the first conversation.
No. We don't contact creditors, councils, enforcement agents or anyone else on your behalf. We listen and, with your consent, introduce you to a regulated specialist.
Regulated firms whose advisers are qualified to look at your whole financial situation and explain the options available to you. Any advice, and any decision, is between you and that firm.
You can stop at any point. If you'd rather we didn't pass your details on, we won't. If you'd like us to delete what you've told us, just ask.
Yes. Self-employed people often have a mix of personal and business-related debts, including tax. A specialist can look at both together.
We'd always rather hear about it. Our complaints page explains how to raise something with us and what happens next.
