No more guessing
Know exactly where you stand with your debt.
Free tools, a private community, and one-to-one support to help you take back control. Independent, straightforward, built for the UK.
“Very professional, friendly, knowledgeable and trustworthy. They genuinely care about helping people understand their options with debt.”
Andrew P. · Trustpilot review Read all 7 reviews on Trustpilot
See exactly where your money goes, in under 15 minutes.
The Budget Planner walks you through your income, home costs, everyday living, family, and debts one section at a time. It saves as you go and produces a creditor-ready Income & Expenditure statement you can send.
Where to start
Three ways to get help.
Pick the level of support that suits you. Every option is independent and every step is your call.
Do it yourself
Budget Planner & free guides
Work through your own budget, get a creditor-ready statement, and read up on your options. All free, all anonymous.
Free · no signup
Start the plannerTalk it through
Private community & Clarity Calls
Join a supportive private community for £15 a month, or book a one-to-one Clarity Call to talk your situation through directly.
From £15 / month · Calls from £27.50
See the optionsHand it over
Full Support
The Real Debt Guy takes on the correspondence, the letters, and the back-and-forth with creditors. Bespoke, quote-only, and only if it fits your situation.
Bespoke quote · by application
Learn moreIndependent
Not tied to any lender, not FCA regulated, not paid on referral.
Anywhere in the UK
Post and email support wherever you live.
Contact us by post
PO BOX 480, Sevenoaks, TN13 9JY
Office hours
Mon-Fri 09:00-17:00
Sat 09:00-13:00
4.3 out of 5 · 7 reviews on Trustpilot
100% Excellent. Read what people are saying about The Real Debt Guy.
What The Real Debt Guy stands for
Real. Clear. Empathetic. Individualistic.
Real
Honest information backed by fact. No sugar-coating, no hidden agenda.
Clear
Simple and transparent. If it cannot be explained plainly, it gets rewritten.
Empathetic
Debt affects your mental wellbeing too. Both matter here.
Individualistic
A distinct voice and point of view. Independent, not owned by anyone else.