A friendly, no-judgement way to organise your finances, understand your position and get pointed toward the right next step for dealing with unaffordable debt.
Important: We do not provide regulated debt advice online. Some formal debt solutions may involve fees, affect your credit rating and depend on eligibility and creditor approval. Free debt advice is available from MoneyHelper and other charities.
Freeinitial check-up
Your money check-up starts here
Why My Debt Doctor?
A calmer way to face your finances
Dealing with debt can feel overwhelming. Our role is to make the first step simple: gather the facts, organise your budget and help you understand who can support you next.
1
Clear diagnosis
We help turn scattered bills, letters and balances into one clear picture.
2
Budget first
Your income, household bills and priority debts are organised before any next step.
3
No judgement
You can talk openly about your situation with a friendly team.
4
Right signposting
Where regulated advice is needed, we can point you toward authorised support.
Meet the Debt Doctor
A friendlier face for a serious subject
The mascot keeps the experience calm and approachable while visitors work through their debt check-up.
Check-up
Gather the basics.
Budget
Look at affordability.
Plan
List the next steps.
Review
Make things clearer.
Quick debt check-up
See how long your debt could take to clear
This simple tool is not advice. It shows a basic no-interest calculation so you can see why a full budget review may help.
We can help you gather balances, creditor details, reference numbers and payment information so the position is easier to understand.
CCCredit cards
LLoans
ODOverdrafts
BNBuy now pay later
CTCouncil tax
UUtility arrears
BBailiffs or collectors
FFinance agreements
Three simple steps
How your money check-up works
Get in touch
Complete the short form or call the team.
Tell us your situation
We help build a clear budget and debt summary.
Understand the options
We explain next steps and signpost to authorised advice where required.
Example journeys
How support can look in real life
These are illustrative examples only. Outcomes depend on individual circumstances, affordability, eligibility and creditor decisions.
A
Admin catch-up
Budget organised
Debt mix
Cards and loans
Main issue
Missed payments
Support
Documents prepared
B
Breathing room
Signposted
Debt mix
Council tax and utilities
Main issue
Urgent letters
Support
Priority debts listed
C
Fresh view
Next steps clear
Debt mix
Overdraft and finance
Main issue
Affordability
Support
Income and bills checked
Trust and transparency
Built around clear information
Confidential
Your information is handled carefully and privately.
Privacy-first
Your information is handled carefully and only used for your enquiry.
No pressure
You decide whether you want to take any next step.
Free advice signposts
We clearly signpost free debt advice routes.
Questions
Frequently asked questions
We help with budgeting, information gathering and signposting. We do not provide regulated debt advice online. Where regulated advice is needed, you should speak to an FCA-authorised debt advice provider or a free debt advice charity.
Some formal or informal debt solutions can affect your credit file and ability to obtain credit. This depends on the solution and your circumstances, so it should be explained clearly before you proceed.
Some formal solutions may include debt write-off, but this is never guaranteed. Eligibility, affordability, creditor approval and fees all matter.
Yes. Free debt help is available through MoneyHelper, StepChange, National Debtline, Citizens Advice and other organisations. We include free advice links in our important information page.
Start your check-up
Check if you may qualify for support
Complete this short form and the team can contact you to understand your situation. Do not include passwords, bank card numbers or online banking details.
Free initial conversation
Confidential and no judgement
Clear signposting to authorised support where needed
My Debt DoctorStart with a simple, confidential money check-up.
