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Knowing you've got retirement sorted

Free debt helplines

If your debts become too much, or you simply want someone to talk to, any of these agencies can help with confidential and impartial advice.
A version of this article appears in our guide to Managing Debt in Retirement. Get your free copy today.
National Debtline – 0808 808 4000
This independent debt advice charity offers free and confidential support. Find out more at
Citizens Advice – 03444 111 444 (England), 03454 04 05 06 (Scotland), 03444 77 20 20 (Wales) and 0800 028 1881 (Northern Ireland)
Citizens Advice gives help and support that will be specific to the part of the country you live in. You can also find them at
Money Advice Service – 0800 138 7777
Experts in how to avoid debt and how to manage it if you do find yourself in trouble. Its website also offers a live chat service
PayPlan – 0800 716 239
PlayPlan operates on a straightforward promise: free debt advice for anyone experiencing financial difficulties. Also online at

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Knowing you've got retirement sorted.

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