Real people. Straight answers. A calmer way forward.
We're a UK support team 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 information
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
Your data is handled in line with UK GDPR 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
These are the areas people ask us about 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
Our UK-based support team is here to listen, share clear information about your options, and help you find a way forward. We hire for empathy first.
Rachel M.
Head of Debt Help
12 years in UK debt help, formerly at a national money charity. Loves a spreadsheet, quietly.
Daniel O.
Support Team
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.
Clear, honest and here when you need us
We aim to be straightforward about what we can and can't do, and to point you to free services when they're a better fit.
UK-based team
A team you can talk to directly
Free to talk
No charge to speak to our team
Confidential
Your details are never sold
Free debt help is also available from Citizens Advice, StepChange and National Debtline.
Not sure where to start? We'll walk you through it.
A quick, confidential chat with a friendly team member. No pressure, no jargon — just a clear picture of the options that suit your situation.