Debt advice
If you are concerned about your debts you can contact us for advice.  All our advice is free, independent and confidential.
About our debt team
All members of the Debt Team hold the specialist qualification,  Certificate in Money Advice Practice, from Staffordshire University and are accredited members of the Institute of Money Advisers. Most of the advisers are also Debt Relief Order Intermediaries.

The team also won the ‘Debt Team of the Year 2013’ award from the Institute of Money Advisers. The major funders for this service are the Money Advice Service, the Henry Smith Trust, the local councils of Bristol and South Gloucestershire.

MAS  Henry Smith  BCC  South Glos Council logo SGcmyk

How our debt advice service can help
If you are concerned about your debts you can contact us for free advice.  We can help you:

• Understand which debts are most important and why
• Create an ongoing budget to help break the cycle of debt
• Work out the best plan for dealing with your debts
• Negotiate reasonable payments when appropriate
• Understand your legal rights and responsibilities

Specialist business debt advice
If you have problem debt relating to your business, we can now offer Business Debt Advice . Please email or call us on 0117 954 3990 to make an appointment with an Adviser.

We can provide specialist business debt advice for sole traders and small partnership businesses. We can help you:

• Create an ongoing budget for your business to help you assess its viability
• Consider options to deal with your debts
• Understand your legal rights and responsibilities
• Negotiate with your priority creditors such as business rates or HMRC
• Access specialist tax advice

Criteria: Please note that we can only offer advice to non-limited companies and priority will be given to those who are still trading.

How do I access debt advice?

Please click here for our accessibility statement 

Online advice:

We are not currently accepting online or emailed referrals – the website will be updated when it is open again.

Telephone advice:
Please call 0800 121 4511 or 0117 954 3990 between 9.30 a.m. to 5 p.m. on weekdays and an adviser will call you back.

Face to face:
We offer a face to face drop-in advice service at our office and various outreach locations. In order for us to give you the best advice please bring any paperwork relating to your debts and proof of your income. Please be aware that our adviser capacity is limited and it may not be possible to see you straight away.  Please click here for our office address.

Our main office opening times:
Monday 9:30am – 5:00pm
Tuesday 9:30am – 5:00pm
Wednesday 1:00pm – 5:00pm – we are closed in the morning
Thursday 9:30am – 5:00pm
Friday 9:30am – 5:00pm –
(Last client to be seen at 4.00pm each day)

Outreach sessions in South Gloucestershire:
The Park Centre Kingswood
High Street
BS15 4AR
Thursday 9.30 a.m. – 12.30 p.m.

Yate One Stop Shop
Kennedy Way
BS37 4DQ
Thursday 2.00 p.m. – 4.00 p.m.

Staple Hill
Citizens Advice
96 High Street
BS16 5HL
Tuesday 1.00 p.m. – 4.00 p.m.
Pre-booked appointments only – call Talking Money on 0800 121 4511 or 0117 954 3990 to book

Talking Money welcomes feedback in order to help us improve our services.  We therefore ask you to complete a short service feedback survey after you have contact with us.  If you are not happy with any aspect of the service you have received, please let us know using our complaints form. Our full Complaints Policy and Procedure can be downloaded here.
Other useful links
National Debtline – free online and telephone debt advice.

Business Debtline – free online and telephone business debt advice for small businesses and self employed people.

Our funders