United Kingdom
Free, regulated advice is widely available. Never pay a company to set up a debt plan you can get free.
Directory
Free Debt Help By Country
If you are struggling, free help exists and it is better than anything a calculator can give you. Nothing on this list should ever charge you.
If things are urgent right now
If you have missed rent, mortgage, energy, tax or court-ordered payments, are facing eviction or enforcement action, cannot afford food, or you are having thoughts of harming yourself, please speak to a person — not a calculator. Free, confidential and qualified debt advice exists in most countries, and using it does not harm your credit file.
United States
Look for a non-profit credit counselling agency accredited by the NFCC before any for-profit debt relief firm.
Canada
Licensed Insolvency Trustees are federally regulated and offer free initial consultations.
Australia
The National Debt Helpline offers free financial counselling by phone and chat.
Ireland
MABS is the free state-funded money advice and budgeting service.
New Zealand
Free budgeting services are funded nationally and available in most regions.
South Africa
Debt counselling is regulated by the National Credit Regulator; check any counsellor's registration.
European Union
Most member states fund a consumer debt advice service; start with your national consumer authority.
We are not affiliated with any organisation listed and receive nothing for linking to them. If a link is out of date, email support@howiclearedmydebts.com. Not in the list? Search for your national consumer protection or financial regulator, and read our financial disclaimer.
How I Cleared My Debts provides educational information, organisational tools and estimates. It does not provide personalised financial, legal, tax or regulated debt advice. Results depend on the information you enter and may not reflect lender calculations. If you are struggling with priority bills, legal action or unaffordable repayments, contact a qualified free debt-advice organisation in your country.
