Get Help
Your questions.
Your kind of support.
Two places to start
£27.50 one-off
Clarity Call.
A private conversation with The Real Debt Guy.
- 10 minutes, one-to-one
- Private Zoom audio, no video required
- Pay through Stripe, pick your slot by email
- Ask your questions directly during the call
Members' Hub
A members-only space for your written questions.
- Discussions on this website, away from social media
- Your questions answered directly by The Real Debt Guy
- Read questions and contributions from other members
- Cancel future renewals any time
When you need more
Correspondence support, or more time to talk.
You can choose these directly. You do not need to join the Hub or book a Clarity Call first.
Quoted per case
Full Support.
Individually quoted correspondence-drafting and administrative support, where the service fits your situation.
- Correspondence drafted in your name
- You review and approve the wording
- Scope and price agreed individually
- Read what is included before applying
£125 one-off
30-minute Private Call
More time for a private discussion when ten minutes is not enough.
- 30 minutes, one-to-one
- Review the call options before booking
£249 one-off
One-hour Private Call
A longer private conversation when you have more ground to cover.
- 60 minutes, one-to-one
- Review the call options before booking
Written letter reviews
Prefer a written review?
For a written explanation of letters you have received. These are separate services, not included in Hub membership or calls.
£19 one-off
Letter Check
A written reply about one letter from one sender, on one A4 page, within 48 hours.
The £19 credits back if you upgrade to Letter Audit within 30 days.
View Letter Check£99 one-off
Letter Audit
A written review of up to four creditor letters, with a plain English Action Plan by email within two working days.
Includes one round of follow-up questions.
View Letter AuditOr start free · No signup
The Budget Planner.
A seven-step tool that turns your numbers into a clear picture. Get a Standard Financial Statement you can send to creditors. No signup, autosaves as you go, works on any device.
Try the Budget PlannerLearn on your own time
Free reading, whenever you're ready.
Articles, guides and mindfulness pieces on how the UK debt system actually works. Plain English. No jargon.
Articles
Real stories, timely takes.
Short reads on what's happening in UK debt: rate changes, creditor tactics, cost-of-living pressure. Original writing, not scraped or spun.
Read the articlesGuides
Step-by-step, saved for later.
Longer, structured walkthroughs of the things that come up most: budgeting, creditor letters, what your rights are, how the system works.
Browse the guides
Our pledge
Honest information about debt.
Impartial, fact-based information about debt, because most people don't get it. Creditor-funded services have a job to do. The Real Debt Guy has a different one.
No jargon. Just clear information you can act on, and paid support only if you want it.
About us →Common questions
Before you get in touch.
Quick answers to what people ask most. If yours is not here, get in touch via the contact page.
Are you FCA regulated?
No. The Real Debt Guy is not FCA regulated and does not give financial advice. Information and support only.
Can I use The Real Debt Guy wherever I live in the UK?
Yes. Support is available across the UK by post and email, Monday to Friday 09:00 to 17:00 and Saturday 09:00 to 13:00. No phone lines, so everything's in writing and you have a record.
Why do you charge for some things when free debt help exists?
Free debt help is a good starting point. But charities are stretched, wait times can be long, and their remit is narrow. If you want faster, more personal support, or you don't fit their scope, that's what The Real Debt Guy is for. The Budget Planner will always be free.
Are you tied to any creditors or lenders?
No. The Real Debt Guy takes no money from creditors, debt collectors, or lenders. Paid support includes the Members’ Hub, Clarity Calls, Full Support, Private Calls, Letter Check and Letter Audit.
What if I'm not sure which option is right for me?
Start with the Budget Planner. It's free and it'll give you a clearer picture of where you stand. Once you've got the numbers, most people find it easier to see which option fits.