National Debt Service

Samaritans 116 123

Find calm. Find trusted debt help.

A neutral, non-commercial signposting service. Guided pathways to regulated UK debt and mental-health support in three steps or fewer. No data collected. No sales. Just clear next steps.

Find help in three steps Browse all support

  • UK-wide Regulated help
  • Privacy No data captured
  • Verified services 24+
  • Verified agencies 6+

Where to get help

  • Can't pay your bills

    Priority bills, your rights, what to do when letters start arriving.

    Read about bills

  • Council tax debt

    How council tax debt works, what councils can and can't do, where to get help.

    Read about council tax

  • Bailiffs at the door

    What bailiffs can and can't do. Your rights. Help that's free and confidential.

    Read about bailiffs

  • Debt help directory

    The full list of UK-regulated debt support services. Every entry verified against its regulator.

    See the directory

  • Mental health support

    Financial strain can hit hard. Confidential mental-health support from regulated UK charities and helplines.

    See support

Who runs NDS

Independent. Verified. Private.

National Debt Service is independently run. We don't take money from any of the services we signpost, we verify every entry monthly by hand, and we never capture personal data.

  • Independent. No paid placements.
  • Verified monthly by a human reviewer.
  • No data captured. No tracking.

More about us

  • FCA register
  • No tracking
  • Neutral
  • SRA register
  • Public-record sources
  • No PII captured

How it works

How it works

  1. Discover

    A brief self-check on your situation. No data captured.

  2. Review

    Plain-English guidance on what fits your circumstances. Jargon buster linked.

  3. Connect

    Verified links to regulated charities and government support.

Mental health support

Financial strain can hit hard. Same standards as our debt signposts: regulated, confidential, neutral. Mental-health support is here when you need it.

See mental-health support →

Ready to find help?

We signpost you to UK-regulated debt and mental-health support. No accounts, no data captured.

Find help in three steps Browse all support