Compare whether the provider offers free debt advice or charges fees, what solutions it can discuss, and how clearly it explains the risks and costs. Check fee-charging firms on the FCA Register, and consider free support from organisations such as Citizens Advice, StepChange or National Debtline. Ask how quickly you will receive advice, whether a dedicated adviser is available, and what happens if your circumstances change. You can also check the guidance on GOV.UK before deciding, and seek independent advice if your situation is complex.