Richmondshire District Council

Struggling with debt

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.

Money and benefits advice service

Local Citizens Advice offices across North Yorkshire have launched a new helpline to increase their capacity for the additional demand that the Covid-19 pandemic has created.

You can call the helpline if you need support with:

  • benefit entitlement, claims and appeals
  • accessing other income such as charitable and statutory grants
  • managing your money and making it go further
  • help with debts
  • finding out what other support services are available

The Money and Benefits Advice Service is for anyone living in North Yorkshire. The service sits alongside all the normal advice services Citizens Advice offer.

Call 0300 3031 598, Monday to Friday, 9am to 4pm (or leave a voicemail outside of these times). 

Other free debt advisers

A debt adviser will:

  • never judge you or make you feel bad about your situation
  • always be happy to talk to you, however big or small your problem might be
  • find ways to manage your debts even if you think you have no spare money

You can speak directly with an expert adviser. Telephone services are usually available weekdays, evenings and Saturdays.

Debt Advice Foundation

Tel: 0800 622 61 51

Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.


Tel: 0800 280 2816

PayPlan provides the debt advice and support to enable you to take charge of your finances and focus on living again.

National Debtline

Tel: 0808 808 4000

National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.

StepChange Debt Charity

Tel: 0800 138 1111

StepChange helps change the lives of thousands of people every week. Their expert advice is impartial and personalised to each individual situation.

A to Z of Services