The best debt-help provider depends on your circumstances, but free, impartial starting points include StepChange, National Debtline, Citizens Advice and MoneyHelper. They can help you review your budget and explain options such as a debt management plan, Breathing Space, an IVA or bankruptcy, where relevant; eligibility and suitability vary. Be cautious of firms charging fees, and check any commercial provider on the FCA Register before sharing details or signing up. Compare the advice, costs and terms, and use GOV.UK for official information on formal insolvency options.