No more guessing

Know exactly where you stand with your debt.

Ask your UK debt questions and get answers directly from The Real Debt Guy. Explore the Members’ Hub for £5 for your first month, or browse free guides and articles at your own pace.

Explore the Hub · £5 first month Explore free learning

Hub: £5 for your first month, then £15 a month until cancelled. First-time members only.
Guides, articles and the Budget Planner are free, with no signup.

Prefer to start with a free tool? Open the Budget Planner.

Free toolsNo signup for the Budget Planner

IndependentNot tied to any lender

UK-widePost & email support

“Very professional, friendly, knowledgeable and trustworthy. They genuinely care about helping people understand their options with debt.”
Andrew P. · Trustpilot review Read all 8 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.

Step-by-step, not one huge form

Saves automatically in your browser

Priority and non-priority debts handled separately

Full Income & Expenditure PDF

Pro-rata offers calculated for you

Anonymous, no signup, no cost

Open the Budget Planner

Budget Planner illustration showing a rising trajectory

New · The Real Debt Guy series

Understanding Your Debts

A plain English book on how credit, debt letters, the county court, and debt options in England and Wales actually work. Written for anyone who uses credit here, not just people already in trouble.

Available in paperback & Kindle · Kindle edition also on Kindle Unlimited

Pick your starting point.

Ask in the Hub, speak privately, or keep reading for free. Choose the route that suits you.

Not on your own

Members' Hub

Ask your UK debt questions in a members-only space on this website. The Real Debt Guy answers you directly in the discussions, where you can also hear from other members.

£5 for your first monthThen £15 a month until cancelled.First-time members only. See what’s inside

Prefer a private conversation?

Clarity Call

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

£27.50 · 10 minutes, one-off

View the Clarity Call

Learn at your pace

Free guides, articles & mindfulness

Practical guides, plain English articles on the topics that matter, and honest pieces on the mental side of debt. All free, no signup.

Free · browse and read

Explore the library

Need help with the correspondence?

Full Support.

Individually quoted correspondence-drafting and administrative support. Review the scope and see whether it fits your situation.

Bespoke quote · by application See if it fits →

Independent

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 · 8 reviews on Trustpilot

100% Excellent. Read what people are saying about The Real Debt Guy.

See reviews

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.