Compare whether each provider is free or charges fees, how much of your payment reaches creditors, and what support and reviews are included. Check that a paid provider is authorised by the FCA, and ask how it will assess your budget, contact creditors and deal with missed payments. Free debt advice is available from organisations such as StepChange, Citizens Advice and National Debtline, so compare their help before signing up. A debt adviser can explain alternatives, including whether a debt management plan is suitable for your circumstances.