Get help to deal with debt or money problems

If you are worrying about debts, wondering whether you are entitled to claim certain benefits or finding it difficult to make ends meet, then help is at hand.  Free, confidential debt advice and money guidance services are available across the region to help you understand your options and start to deal with your debt or money problems. The website for your local credit union is likely to have a page of ‘Useful Links’ which will direct you to local advice services, so you can arrange to talk to a trained adviser in person, or over the phone.

Click here to find your local credit union

Other sources of help and information include:

National Debt Line

This is a website and help-line that provides free confidential and independent advice on how to deal with debt problems.

Call 0808 808 4000 Monday to Friday 9am-9pm and Saturday 9.30am-1pm or email National Debtline for advice.

Citizens Advice Bureaux (CAB) 

Citizens Advice Bureaux (CAB) provide free, confidential and independent advice from over 3,000 locations including in bureaux, GP surgeries, hospitals, colleges, prisons and courts.

Advice is available face-to-face and by telephone. Most bureaux offer home visits and some also provide email advice.

To find your nearest CAB, click on the following link


NHS credit crunch help

If you're feeling stressed because of job insecurity, redundancy, debt or financial problems, don't wait for things to get really bad before you seek help.

Find information on

Consumer Credit Counselling Service (CCCS) 

Consumer Credit Counselling Service is a registered charity whose purpose is to assist people in financial difficulty by providing free, impartial and realistic advice.

Through its free national telephone service, ten regional centres and online CCCS Debt Remedy, CCCS is able to help people with debt problems wherever they live.

Based on a proven and successful formula, this specialist advisory service has already helped thousands of people in the UK by providing counselling on personal budgeting, advice on the wise use of credit and, where appropriate, managing achievable plans to repay debts.

The CCCS free phone helpline 0800 138 1111 is open 8am to 8pm, Monday to Friday.  Its online counselling tool CCCS Debt Remedy is available at


payplan logoPayplan is the UK's largest provider of free debt solutions, including free debt management plans and Individual Voluntary Arrangements or IVAs.

Payplan takes a holistic approach to solving people’s financial problems. Payplan offers free debt solutions, help to reduce everyday living costs and protect against unexpected costs. Payplan strives to improve the quality of free debt advice and help everyone to become debt-free and stay that way, regardless of personal circumstances.

The telephone number is 0800 716239 and phone lines are open from 8am to 9pm Monday to Friday and 9am to 3pm on Saturdays. 


Turn2us helps people to access the money available to them – through welfare benefits, grants and other help.

This free, accessible website has been designed to help you find appropriate sources of financial support, quickly and easily, based on your particular needs and circumstances. 



Stop Loan Sharks / Illegal Money Lending Team

Stop loan sharks logoHave you been approached by a loan shark?

Lending money without a licence is illegal. If you suspect someone is a loan shark you should report them IN CONFIDENCE, either by phone, by text/SMS or via email.

Phone          0300 555 2222   (local call rate, including inclusive mobile minutes)

Text/SMS    Text loan shark and your message to 60003

Email           Send an email to:

Christians Against Poverty

Christians Against Poverty is a national debt counselling charity with a network of 150 centres based in local churches.

CAP offers hope and a solution to anyone in debt through its unique, in-depth service.  CAP will help anyone regardless of their religious beliefs and CAP aims to ensure that no one receives less favourable treatment on the grounds of race, nationality, religion, age, gender, marital status, sexual orientation or disability.  Their free phone number is 0800 328 0006.

Liverpool Area

RAISE Benefits Advice Team

“RAISE is an independent charity which gives free, confidential, high quality advice and training around welfare benefits, debt, and money guidance issues.  All our advice is given by home visits throughout Merseyside and Runcorn.
We will visit:

  • For Welfare Benefits and Debt advice, if they are tenants of LMH, SLH, LHT, Cobalt, Plus, or Pierhead, or if they are Liverpool residents who find it difficult to get to their nearest advice centre.
  • For Money Guidance, if they live in Merseyside or Halton.

As well as advising people, we pursue people’s cases in the office and at tribunal hearings.

Address: 286 Scotland Road,
                  L5 5AE

 Advice Enquiries: 0151 291 7850 (Mondays – Thursdays 9.30 – 12.30)



Croxteth and Gillmoss Community Federation

Our Information & Advice Services are Free, Confidential & Impartial and we are quality marked by the Legal Services Commission. Clients can access our Information and Advice Services via our Drop-in Sessions/Appointments/Telephone/Fax/E Mail at the main centre (Moss Way) and at our outreach surgeries held at various locations in the area.

35 Moss Way,
L11 0BL

Drop in Services

Monday 9.30am – 12.30pm
Tuesday 9.30am – 12.30pm
Thursday 9.30am – 12.30pm


Monday – Friday by Arrangement

Telephone Service: Tel. No: (0151) 548-6977

Reception & Call Back service

Monday – Friday 9.30am – 1.00pm

Telephone Advice Service

Friday 10.00am – 1.00pm

Outreach Services:

Cobalt Housing Offices, 199 Lowerhouse Lane, L11 2SF

Tuesday 10.00am – 1.00pm
Thursday 10.00am – 1.00pm

Children’s Centre, Our Lady and St Swithin’s School, Parkstile Lane, L11 0BQ

4th Wednesday of Month 10.00am – 1.00pm
Tel: 0151 548 6977

H.E.A.T. Kensington

“HEAT is a Charity that provides a confidential and non-judgemental advice service on an extensive range of provisions that enhance the quality of life of individuals who are socially and economically disadvantaged.  providing free advice and assistance on welfare benefits, housing problems, debt and energy efficiency advice to benefit the community”

Address: 72 Durning Road,
                  L7 5NG

Tel:           0151 263 2620




Knowsley Area

A team of debt advisors has been put in place through a partnership between Knowsley Council, Knowsley Housing Trust (KHT) and the Knowsley Citizens Advice Bureau.

The trained advisors are based in each of the council’s One Stop Shops and are available for drop-in sessions, scheduled appointments and home visits.

The project is planned to run for the next 12 months and is open to anyone who lives or works in  Knowsley, regardless of their income or employment status and aims to help those with debt or money worries.  Residents can book appointments by telephoning 0151 477 6004. 

The debt advisors are available for drop-in sessions at the following times:

Kirkby One Stop Shop
Mondays:  9.30am to 12noon
Fridays  1.30pm to 4pm

Huyton One Stop Shop
Tuesdays:      9.30am to 12noon
Wednesdays: 1.30pm to 4pm

Prescot One Stop Shop
Wednesdays: 1.30pm to 4pm.

Halewood One Stop Shop
Thursdays: 9.30am to 12noon

Citizens Advice Bureau

Provide free advice on legal, debt, housing, employment and benefit issues. 

For more details or visit the Knowsley Citizens Advice website.


Money Advice and Budgeting Service

Provide debt counselling, budget advice and financial literacy education programmes to members of Enterprise Credit Union.

Hall Lane
Huyton, Knowsley
Merseyside, L36 6AX
0151 292 5022

9am to 5pm, Monday to Friday (telephone only).
Interviews by appointment only.

Kirkby Unemployment Centre

Provide an integrated package of support measures that inform, advise and guide local people into jobs, education, training and business opportunities. They also provide free budgeting, debt, employment law and welfare benefits advice.  Visit their website.

Huyton Advice Centre

Provide free advice on debt, budgeting, employment law and welfare benefits and signposting to other services.

1 Griffiths Road
Huyton Knowsley
Merseyside L36 6NA
0151 489 7313

Drop in
9am to 3.30pm, Monday to Thursday
9am to 12pm, Friday

3.30 to 5pm, Monday Friday

Fazakerley Advice and Information Resource Centre

Provide  advice on housing, debt, welfare benefits and law.

The Community Centre
Formosa Drive
Fazakerley L10 7LQ

Monday to Friday 9am to 12pm

Tel No: 0151 525 5051



St Helens Area

Citizens Advice Bureau

The Citizens Advice service helps people resolve their legal, money and other problems by providing free, independent and confidential advice, and by influencing policymakers.  St Helens Citizens Advice Bureau can give advice on a wide range of subjects. You can find out more on our advice page.


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