Who we are

Independent debt information, written in plain English.

Free tools, a private community, and paid one-to-one help when you want a person on the other end. We're UK-wide, not tied to any lender, and we won't sell your details.

Try the Budget Planner See how we help
UK-wide Independent Post & email support Not FCA regulated

Why we exist

Debt isn't just numbers on a page.

It's sleepless nights, a knot in your stomach every time a letter lands, and the sense that nobody's giving you a straight answer. If you're in the UK and feeling overwhelmed by debt, you're not on your own.

The Real Debt Guy exists to make money and debt less daunting. We write in plain English, we don't push products, and we don't judge anyone for how they got here. Council tax arrears, credit-card debt, a payment plan that's fallen apart, a letter you don't understand: we've helped people through it, and there's a good chance we can help you too.

Debt affects sleep, relationships, and the small daily choices that add up. Every tool we build and every letter we draft is written with that in mind.

What we stand for

Four things that shape everything we do.

  • Real

    Honest information about UK debt, in plain English, without spin. If we don't know, we say so.

  • Clear

    No jargon, no hidden meanings, no small print buried at the bottom of the page.

  • Empathetic

    Debt affects sleep, relationships, and self-worth. We write like we know that, because we do.

  • Individualistic

    Your case is yours. We don't push template solutions or one-size-fits-all products.

Get Help

Four ways to work with us.

Start where you like. Move at your pace.

Budget Planner

Free

Know exactly where your money goes and produce a creditor-ready income & expenditure statement in about fifteen minutes.

Open the Budget Planner

Members' Hub

Ask your UK debt questions in the Members’ Hub and get answers directly from The Real Debt Guy in the discussions.

Explore the Members' Hub

Clarity Call

10-minute private call

Have questions you would rather discuss privately? Speak directly with The Real Debt Guy on a 10-minute Clarity Call.

Book a call

Full Support

Quoted per case

We draft every letter, every reply, and every payment proposal in your words. You read it, change what you like, and approve every single one. You stay in control of the numbers.

See Full Support

Transparency

How we make money.

We want to be open about this. The Budget Planner, the articles, and the guides on this site are free because paid work covers the running of everything else. Here's exactly what people pay us for:

  1. 01
    Members' Hub

    £5 for your first month, then £15 a month until cancelled. First-time members only. Ask your UK debt questions and get answers directly from The Real Debt Guy.

  2. 02
    Clarity Call

    £27.50 for a private 10-minute call. Ask The Real Debt Guy your questions directly.

  3. 03
    Full Support

    Quoted case by case. We draft everything for you across an agreed term. You approve every letter that goes out.

  4. 04
    Private Call

    £125 for 30 minutes or £249 for one hour. More time to discuss your questions directly with The Real Debt Guy.

  5. 05
    Letter Check

    £19 for a written reply about one letter from one sender.

  6. 06
    Letter Audit

    £99 for a dedicated review of up to four creditor letters, with an Action Plan.

  7. 07
    Continuous Monitoring Service

    Ongoing cover once Full Support ends, so nothing quietly slips.

We're not paid by lenders. We don't run affiliate deals with debt-purchase firms. We don't sell your data. If we ever mention a third party, it's because we think it's genuinely useful, not because there's money in it for us.

Where The Real Debt Guy stands

The Real Debt Guy is not FCA regulated. Here is what that means.

What The Real Debt Guy does

The Real Debt Guy provides independent debt information, plain English guides, the Budget Planner, and paid one-to-one services such as Full Support, the Letter Audit, and Clarity or Private Calls. Every draft is written in your words, for you to read, change, and approve.

What The Real Debt Guy does not do

The Real Debt Guy does not give financial advice. The Real Debt Guy does not negotiate with creditors on your behalf. The Real Debt Guy is not a debt-management or debt-adjusting firm.