Real people. Straight answers. A calmer way forward.
We're a UK team of debt advisers who believe getting help shouldn't feel like getting told off. Since 2016 we've walked alongside more than 42,000 people through what felt, at the time, unmanageable.
Help every person in the UK find calm, clarity and a way forward with debt.
Money worries are lonely. Most people wait months — sometimes years — before reaching out, because they think it'll be uncomfortable, judgemental, or that nothing can really be done. None of that is true.
Debt Compass exists to change that first phone call. We take the fear out of getting help so that people reach out earlier, understand every option, and get to a place of stability faster.
Six things we care about — every day, every call
People first
Every conversation starts by understanding your life — not your credit score.
Listen properly
No scripts, no rushing. Just time and space to explain what's really going on.
Honest advice
We'll tell you when a free service or a different route is a better fit than us.
Plain English
No jargon, no small print traps. Straight-talking answers to hard questions.
Private & secure
GDPR-compliant, ICO-registered and never shared without your explicit consent.
Genuine care
We measure success by how you feel after the call — not by paperwork signed.
Whatever kind of debt you're facing, we've been here before
Between us, our team has helped tens of thousands of households across the UK. These are the areas we cover most often.
Credit cards, loans and overdrafts
Reducing payments, freezing interest and finding a manageable long-term plan.
Priority debts
Council tax, mortgage or rent arrears, HMRC and utility bills — the ones with the biggest consequences.
Bailiff and court action
Practical support if enforcement has already started, including CCJs and enforcement notices.
Formal debt solutions
IVAs, Debt Relief Orders, Trust Deeds and bankruptcy — explained clearly, then arranged if right for you.
A team who genuinely wants to pick up your call
Every adviser is UK-based, DBS-checked, and trained in-house to offer clear, supportive debt help. We hire for empathy first and train the rest.
Rachel M.
Head of Debt Help
12 years in UK debt help, formerly at a national money charity. Loves a spreadsheet, quietly.
Daniel O.
Senior IVA Specialist
Guides clients through Individual Voluntary Arrangements from first call to final payment.
Priya S.
Priority Debts Lead
Focuses on council tax, mortgage and HMRC arrears — the debts that keep people up at night.
Marcus H.
Client Support Manager
Runs our aftercare team, checking in monthly so no one feels left on their own.
Four steps, at your pace
There's no rush and no minimum debt level. Take it as slowly as you need.
A conversation, on your terms
Phone, live chat or a short online form. No pressure, no commitment — just an honest chat about what you're facing.
A full look at your finances
We'll work through your income, essential costs and debts together to see the whole picture properly.
Your options, explained clearly
Every realistic route — informal, formal, free-sector or self-help — laid out in plain English with the pros and cons.
Support that stays with you
If we set something up, we're by your side. If we don't, we still check in. Either way, you're not alone.
Six commitments we make to every person who reaches out
If we ever fall short of these, tell us. We take complaints as seriously as compliments.
- We'll never pressure you into a solution — even ours.
- We'll always tell you if a free service is a better fit.
- We'll speak to you like a person, not a case number.
- We'll be upfront about any fees, before you commit to anything.
- We'll respect your data and never sell it — full stop.
- We'll answer your questions honestly, even the difficult ones.
Trusted by thousands, and here for the long term
We're proud of the standards we're held to — and of what our clients say once the weight has lifted.
UK-based team
Advisers you can talk to directly
4.8 / 5 rating
From verified client reviews
42,000+ helped
Since we started in 2016
£180m+ managed
In client debt arrangements
"I put off calling for two years. Within ten minutes I felt human again. My adviser explained everything — even the options they didn't offer — and I finally had a plan I could stick to."
Free debt help is also available from MoneyHelper, Citizens Advice, StepChange and National Debtline. Trustpilot references shown on this site are illustrative placeholders until final verification details are added. Company legal and regulatory disclosures will be published here before launch.
Not sure where to start? We'll walk you through it.
A quick, confidential chat with a friendly advisor. No pressure, no jargon — just a clear picture of the options that suit your situation.