Who should I speak to for debt support?

We understand that nobody wants to be in debt, and that it can often feel overwhelming. Lowell are here to support you and work with you to make your debt more manageable. But if you need extra support and help, there are plenty of independent organisations who can help. We’ll work with you and support you while you get free advice and guidance.  

Speak to Lowell

If you’re concerned about a debt that’s owned by Lowell, there’s plenty of support that we can offer you. This guide is here to tell you about the debt support you can find online, but if you’d prefer to speak on the phone our agents can help with the independent debt support services that you can access. Our friendly team are trained to be considerate of your situation and they’ll always take the time to listen and understand. If you’d prefer to handle things yourself, you can also easily manage your account online.

We’ll do everything we can to find you the right support, and there’s plenty of information here on our website. If you’re not sure about how the process of clearing your debt with Lowell works, you can find out about your next steps, taking the process step by step, and get fully informed before you start making payments.

No matter what your circumstances are, we can give you an idea of how you can work with us and the support we can offer. One of the best and easiest ways we can offer you help is through our free budget calculator, which will help you work out how much you can afford to repay on a payment plan.

If you’re looking to read more about the debt support we can offer, we have lots of helpful questions and answers in our FAQ section, advice about debt support in our Debt Guidance section, and general tips and guidance on the Lowell blog. Once you’re feeling ready to start making payments and begin your journey to becoming debt-free with Lowell, you can make a payment online quickly and easily.

Find independent support

Lowell are here to help you work towards clearing your debt, by agreeing a reasonable and sensible payment plan. But if you feel like you need more advice or guidance, we can also put you in touch with independent organisations who can offer specialised debt support and advice. These organisations are also here to help you, with free and neutral advice and information. Some can offer debt management support. If you’re working with an organisation that is helping you to manage your debt, that’s okay, just let Lowell know so that we can agree an affordable plan with them directly.


MoneyHelper is an organisation set up by the government to help improve people’s finances. They have guides on a huge range of financial topics including budgeting and benefits, so if you feel you need extra help or information this can be a great place to start. The Money Advice Service also offers free and impartial financial and debt support over phone on 0800 138 7777, over email and even through WhatsApp. If you feel you need a specialist debt support service there’s a helpful list of organisations you can contact.

National Debtline

National Debtline offer free, confidential and impartial advice and debt support over the phone and online. You can call their debt support service on 0808 808 4000, webchat with their advisers or email them if you want advice about your situation. They offer easy to understand fact sheets about everything to do with debt support, along with a library of sample letters that you can download. You can also use their free online advice tool, which will recommend any suitable debt solutions.


StepChange is a debt charity which can help you access free debt support services and management. They provide free expert advice and debt support, as well as general money guidance. StepChange can recommend the best solution or debt management service for your individual situation or circumstances and will create a personal action plan for you. If you’re working with StepChange, let us know so we can support you and work with you to agree the best way forward with your debt.


Samaritans are a service who offer free support and advice to anyone who’s going through a difficult time. You can call the Samaritans for free at any time on 116 123 and speak to someone who’ll listen and understand without judging or telling you what to do.  


Mind is a mental health charity who can help you to find any support you need for mental health. If you’re having a hard time and you’re worried about debt, they can help you find the right support for your situation. Their website has lots of great resources and you can also call their Infoline to get information and help.

Citizens Advice

Citizens Advice is a network of charities that exist to help all citizens of the United Kingdom, whoever they are and whatever their problem. They can offer information and advice on financial and legal issues, and can put you in touch with the right people to help you with lots of issues. They offer confidential support online, over the phone and in person through local Citizens Advice centres.

Age UK

Age UK is a charity that helps older people and their carers. They offer advice on lots of subjects for free, including money management, benefits and pension advice. If you’re an older person or if you care for an older person and you’re concerned about debt, Age UK might be able to support you with specialist advice and debt support. You can call their advice line 365 days a year if you need help or guidance.

Carers UK

Carers UK give expert information to anyone in the UK who is looking after someone else. They have information about financial support for unpaid carers, and also offer information guides on lots of other things that may be helpful if you care for someone and you find that you are struggling. You can contact them by telephone and email for help and support.  

If you have questions about the support we offer or further guidance on how debt works, take a look at our Debt Guidance section or Your Next Steps.

First Published: 27th November 2020