Who Can Help?

When you’re struggling with debt it can feel as if you’re completely on your own, especially if you’ve hidden your problems from friends and family to ‘stop them worrying’. There are a number of organisations who can help you and the help ranges from giving you advice on your debts and the action you may be able to take, to simply by being there to listen to your worries and concerns, depending on which organisation you contact.

The most important thing to remember when you are looking for an organisation to help you is that not all of them are free, and it’s not always easy to tell which will charge you. If in doubt, ask. If you are thinking of using an organisation which will charge for its services you will need to consider very carefully whether you really want to pay for this when other agencies provide the same or similar services for free.

The following agencies all provide free and independent advice. Some will let you make an appointment to go in and speak to someone face-to-face, others let you phone them for free or offer a call back service (some include Typetalk), and some provide advice online or via email. We have explained who offers what so you can choose the service that you feel most comfortable with.

Web– Online help available
Phone Icon – Telephone help available
Face – Face to face help available
Email Icon – Email help available

Tameside’s Debt Advice


0800 074 9985
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Tameside council’s welfare rights service allows you to request help online, over the phone or by text message (if you have would like advice on mortgage arrears you can text ‘mortgage help’ and your name to 07980 993 678). They also run a debt advice surgery twice a month if you would prefer face-to-face advice.

Tameside Welfare Rights Service

0800 074 9985
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Tameside Welfare Rights service can provide advice over the phone, online or through a Customer Service centre. If you need long term support they may be able you allocate you a caseworker. They can also ensure women are seen by a female officer if this is preferred, and arrange home visits for those who are ill or disabled.

Tameside Citizens Advice Bureau

03444 889 622
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The Citizen’s Advice Bureau (CAB) is able to provide help and advice on a range of issues and problems including debt and money management. They can be contacted over the phone, by dropping in to a General Advice session, or by arranging an appointment. They also have a website which offers further information and advice.

Tameside Housing Advice

0161 331 2700
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Tameside Housing Advice offer advice on both social and private housing, as well as what to do if you are homeless or worried about homelessness. They can be contacted over the phone, by email or face-to-face by calling into their office in Ashton. 

Step Change Debt Charity

0800 138 1111
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StepChange debt charity were previously called Consumer Credit Counselling Service (CCCS) provide free debt help and advice online, via email and through their helpline number.

National Debtline

0808 808 4000
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National Debtline provide lots of information on dealing with debt including factsheets explaining different options and sample letters which you can use if you are writing to your creditors. They also offer advice over the phone and via email.


0800 280 2816
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Payplan provide free debt advice and can advise you on the options available to deal with your debts. They also provide budgeting and money management advice. They can offer help over the phone or via email.


0808 800 4444 (For urgent advice)

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Shelter provides advice about housing and homelessness on their website, over the phone (including a Typetalk service) or in person if you wish to arrange an appointment. They have offices all over the UK, the nearest to Tameside being the Greater Manchester office.

My Money Steps

0808 808 4000
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An online debt advice service provided by National Debtline. You answer a series of questions regarding your income and expenditure, and receive personalised advice on your situation.