Struggling with debt? We’re here to help.
Free, confidential debt advice for people living in Liverpool. We’ll help you take control of your money and get the support you’re entitled to.
Our expert advisors are confidential, impartial, and non-judgemental.
How we help
We offer practical, compassionate support to help you deal with debt and move forward.
Understand your debts
We help you make sense of what you owe, who to, and how it affects you.
Prioritise what matters
Not all debts are the same. We explain which ones need urgent attention—like rent, energy bills or council tax—and which can wait.
Make a realistic budget
We work with you to create a budget that covers the essentials and helps you reduce debt without leaving you short.
Speak to creditors
If needed, we can contact creditors on your behalf to explain your situation and request more manageable payments.
Explore your options
We’ll talk through all the routes available to you—from payment plans to formal solutions like Debt Relief Orders (DROs).
Check your benefit entitlement
We’ll make sure you’re claiming all the benefits you’re entitled to, and help you apply if you’re not.
Taking the first step is hard
We know taking the first step is hard. Here’s what happens when you reach out.
01 Book a free appointment
You can book an appointment online or by phone—whichever feels easiest. We’ll find a time that suits you, and you’re welcome to bring someone along for support if you’d like.
02 Speak to a trained advisor
In your session, a friendly advisor will listen without judgement. We’ll talk about your situation, help you understand your options, and answer any questions you have. Everything is confidential, and we’ll never pressure you to make decisions on the spot.
03 Get a personalised plan
Once we understand your circumstances, we’ll create a plan that works for you. That might include budgeting support, benefit checks, or help contacting creditors. Every plan is built around your needs—realistic, manageable, and focused on moving forward.
04 Ongoing support if needed
Whether you want to take the lead or prefer us to guide you through each step—we’ll support you either way. Our team can help with letters, phone calls, or applications if it feels overwhelming, and we’ll always go at your pace. You’re not alone in this.
FAQs
Answers to common questions.
No. Our advice is 100% free, independent, and confidential. We’re a registered charity.
Yes. These are priority debts, and we’ll work with you to deal with them safely.
Yes, if you’re eligible. We’ll explore all forms of support, including charities.
We can—if that’s what you want. We’ll always explain the pros and cons first.
Memberships
Testimonials
Some kinds words from the people we've supported