Bill doesn't charge a penny to use his service, and the initial advice offered by one of Bills Advisers is also free and you are under no obligation. If you qualify for debt help, monthly repayments will be reduced to an amount that you can comfortably afford and that are acceptable to those people that you owe money to. Fees are only charged if you enter into a financial solution and your provider will confirm the associated costs within their terms and conditions.

The honest answer is that it all depends on your personal circumstance. But have no fear, one of our friendly experts will work as quickly as possible and will provide the answer to this question (and any others you may have) in a super simple, jargon free format.

There is a simple reason for this. The potential debt solutions which are available really are life changing, but it's not a one size fits all. It's important we understand your situation properly to be able to give you the best service.

What we can promise is that this is in complete confidence (neither your partner, boss or neighbour will know that you've spoken to us), it doesn't take long and is really simple. We literally speak to thousands of people in the same (if not worse) situation as you, so you won't be telling us anything that we haven't heard lots of times before.