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Health and Wellbeing
A Health and Well-being Wales Partner

National Debtline - Social welfare advice and information

Last updated: 23/12/2025
Social welfare advice and information
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What we do

National Debtline provides free, confidential and impartial advice and resources to help people deal with their debts. The service is available over the phone, through their website and via webchat. It helps people understand their options and take control of their debts.

Run by the national charity the Money Advice Trust, National Debtline offers practical advice; empowering people in debt to speak to creditors directly and put solutions in place to resolve their debt problems.

The website contains guides, fact sheets and sample letters, as well as a personal budget tool. It gives advice on important debts such as rent or mortgage arrears and information if creditors take court action.

National Debtline also helps people budget better and look for ways to increase their income. For some setting up a free debt management plan (DMP), a debt relief order (DRO) or an individual voluntary arrangement (IVA) may be the best option. National Debtline helps with these too.

Who do we support

People whose lives are being blighted by debt and money problems.

This service is for people of all ages.

Is there a charge to use this service?

No

Can anyone use this service?

Anyone can contact us directly.

The working language of this service is: English only
The service can operate in the following additional language(s):
  • Arabic
  • Bengali
  • Chinese
  • Czech
  • Gujarati
  • Lithuani
  • Polish
  • Punjabi
  • Slovak
  • Slovenian

Details for this social welfare advice and information service:

Welfare benefits: Advice
Employment: None
Housing: Advice
Immigration: None
Discrimination: None
Money: Advice
Debt: Advice
  • Does this service offer fully independent advice? Yes
  • Can this service offer Debt Relief Orders (DROs) through qualified intermediaries? Yes
  • Does this service hold a recognised quality mark? Yes AQS Advice Quality Standard
  • Is this service registered with the Financial Conduct Authority (FCA)? Yes   618928
  • Is this service registered with Office of the Immigration Services Commissioner (OISC)? No

Contact methods

Social media

 Opening times

Call us for free debt advice Monday to Friday 9am to 8pm
Saturday 9.30am to 1pm

Where do we provide our service?

We will take reasonable steps to ensure the information within the website is as accurate as possible. We cannot be held responsible for the accuracy of this information. The contributors themselves maintain their own information and they welcome feedback about the accuracy of the information they provide. Those accessing it are advised to take reasonable steps to consider its content before acting upon it. This could include seeking professional or specialist advice before taking, or refraining from, any action on the basis of the information within our website.

Please note that the results found when searching in English or Welsh on the English and Welsh sides of the website (www.dewis.wales or www.dewis.cymru) will sometimes differ. Providers can (subject to rules around language standards that apply to some provision) choose to enter their information in English only, in Welsh only, or bilingually. Whilst we try to use the technology within the site to limit the impact of their choice, both terminology and the structure of the languages mean that differences in the results produced is sometimes inevitable.

We assume no responsibility for the content of websites linked on our site. Such links are provided for your information only and should not be interpreted as endorsement by us of those linked websites. We have no control over the contents of those sites or resources. We reserve the right to reject or remove links to any website if we find the site content inappropriate.

For more information please refer to the full terms and conditions.

Find more well-being information at www.dewis.wales

We will take reasonable steps to ensure the information within the website is as accurate as possible. We cannot be held responsible for the accuracy of this information. The contributors themselves maintain their own information and they welcome feedback about the accuracy of the information they provide. Those accessing it are advised to take reasonable steps to consider its content before acting upon it. This could include seeking professional or specialist advice before taking, or refraining from, any action on the basis of the information within our website.

Please note that the results found when searching in English or Welsh on the English and Welsh sides of the website (www.dewis.wales or www.dewis.cymru) will sometimes differ. Providers can (subject to rules around language standards that apply to some provision) choose to enter their information in English only, in Welsh only, or bilingually. Whilst we try to use the technology within the site to limit the impact of their choice, both terminology and the structure of the languages mean that differences in the results produced is sometimes inevitable.

We assume no responsibility for the content of websites linked on our site. Such links are provided for your information only and should not be interpreted as endorsement by us of those linked websites. We have no control over the contents of those sites or resources. We reserve the right to reject or remove links to any website if we find the site content inappropriate.

For more information please refer to the full terms and conditions.