There is no single best provider for everyone, but free, impartial starting points include StepChange, National Debtline, Citizens Advice and MoneyHelper. They can explain options such as a debt management plan, breathing space, an IVA or bankruptcy, depending on your circumstances. If you consider a fee-charging firm, check that it is authorised by the Financial Conduct Authority and understand all costs before agreeing. For complex situations, you may also wish to speak to a regulated debt adviser or solicitor, while GOV.UK provides official information on formal debt solutions.