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Free debt advice

Falling into debt is nothing to be ashamed of. It can happen to anyone at any time.

If you're struggling or worried our friendly Guidance team at Clarion Futures Money will listen to the challenges you face and help you think about the solutions that are best for you.

Always ask for help - there is plenty of free, confidential, regulated debt advice available. No one will judge you - all the free debt advice services that we work with understand that debt can easily spiral to a point where it is unmanageable.

Speak to our Clarion Futures Money Guidance team

Our Money Guidance team is a phone service available by appointment Monday - Friday 9-5pm. To make an appointment just contact us here.

Not sure if you need debt advice?

Try this 60 second debt test. it will help you quickly work out what the scale of the problem is that your facing.

There are lots of different ways to get help

All of our residents who need debt advice can get free advice through one of the specialist partner agencies that we work with. Depending on your needs we will either refer you to our specialist phone debt advice partner PennySmart CIC, or suggest one of the following options.

  • StepChange Debt Charity - StepChange offers a free debt helpline which is open Monday - Friday 8am - 8pm and Saturday 8am - 4pm. Call 0800 980 8270 (calls free from landline and mobile)
  • Debt Remedy - A self-help option that provides you with a personal action plan
  • Citizens Advice - If you want to speak to someone face to face, your local Citizens Advice offers free, impartial, confidential advice on a wide range of issues including debt. Find your local office or contact us

Contact Clarion Futures Money

Watch out for loan sharks

A loan shark is an unlicensed money lender. They often charge very high interest rates and can be very threatening, difficult and even violent. A loan shark can be someone you know locally; in your community, at work or through a friend. You may feel you have to meet their demands for payment but you don’t. They are not legal and you can stop them by reporting them.

The Stop Loan Sharks team is on hand to help anyone who has become the victim of a loan shark – their help is free, confidential and will give you the protection and support you need.