Debt Counselling

Breaking Free from Debt. Discover hope and practical solutions through our Harpenden Money Advice service, providing expert debt counselling tailored to your needs.

Managing Your Finances with Hope

We believe that everyone can live a life free from the stress and anxiety that comes with debt. That’s why we’re pleased to support Harpenden Money Advice Centre (HMAC), an independent charity that provides free, confidential, and non-judgmental debt and budgeting advice to people in and around Harpenden.

HMAC’s team of trained volunteers are motivated by their love for their community and their desire to help those who are struggling with debt. They offer a completely confidential face-to-face service that can help you manage your debts and create a budget that works for you.

If your debts and finances are causing you anxiety, stress, depression or a sense of isolation, there is hope! HMAC won’t judge you, and their service is completely impartial and confidential, so you can feel safe talking to them about your financial struggles.

Services Provided by HMAC

HMAC provides a range of services to help you manage your debts and get back on track. These services include:

Money Advice

HMAC can help you create a personalised budget and give you advice on how to manage your finances.

Debt Management Plans

HMAC can help you negotiate affordable repayment plans with your creditors.

Individual Voluntary Arrangements

HMAC can refer you to reputable IVA providers that can arrange these for you.

Debt Relief Orders

HMAC can process debt relief orders as they have an Approved Intermediary within their team.


HMAC can assist you in applying for bankruptcy online.

Court Representation

HMAC can support you with court issues like housing and County Court Judgements.

How HMAC Can Help You

If you’re struggling with debt, HMAC is here to help. Their team of trained volunteers will work with you to understand your financial situation and provide you with the support you need to manage your debts and create a budget that works for you.

Don’t let debt control your life. Contact HMAC today to find out how they can help you take control of your finances and start living again.


Harpenden Money Advice


07954 276 281