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Debt Advice

Each year, our specialist debt team deals with over 6,000 debt issues and helps manage total indebtedness of over £7 million.

We understand there are many reasons people get into debt. The advice we provide is non-judgmental and is focused on exploring ways to manage your finances.

You can get free debt advice from us in a number of ways (select an option):

Visit us
Drop in to our FavershamSittingbourne or Sheerness office during opening hours.

Request a call back
Provide your name and phone number and we will call you as soon as possible.

Your Name

Your Phone Number

Can we leave a message?

Email us
Complete the form below to email us your enquiry. We aim to respond within 7 working days.


First Name

Last Name

House Name/Number




Date of Birth

Telephone Number

E-mail Address *

How would you prefer we contacted you? *

How can we help you? Please give as much information as possible *

* I give my consent for the Citizens Advice service to process and use my personal information. I understand that this information will be kept confidential to the Citizens Advice service. View full privacy policy here.

How we can help you

Our specialist advisers can:

  • Go through your income and expenditure and help you to work out a budget for you (and your family).
  • Identify ways in which you may be able to increase your income and save on expenditure.
  • Help you understand the difference between priority debts (eg rent, mortgage, council tax, gas and electricity) and non-priority debts (eg credit/store cards, overdrafts, loans, catalogues) and the implications of not maintaining payments.
  • Explore options to deal with your debts such as realistic payment offers, debt relief order, bankruptcy, challenging liability and trust fund applications.
  • Draft you letters to send to people you owe money to.
  • Negotiate with creditors on your behalf.

We have an approved intermediary who is qualified to process Debt Relief Orders (DRO).

All of our specialist debt advisers are members of the Institute of Money Advisers (IMA) and Citizens Advice Swale is regulated by the Financial Conduct Authority.