Free debt & budgeting advice
Confidential, non-judgemental support when money worries feel overwhelming
Harpenden Money Advice Centre
Friendly, face-to-face support to help you find freedom from debt and money worries
We understand how overwhelming debt can feel.
It can affect your sleep, your relationships, and your peace of mind.
It can bring anxiety, guilt, and shame — a sense of being imprisoned.
But there is hope — and practical help.
How we can help you
We help you understand your debts and look at all the options available to you. Together we’ll find a way forward that fits your circumstances — whether that’s a debt management plan, debt relief order (DRO), or another solution.
We check that you’re getting all the benefits you’re entitled to and help with claims, reviews, and appeals where needed. This can make a real difference to your income and financial stability.
We work with you to look at your income and spending and create a realistic budget you can live with. Small changes can often reduce pressure and help you regain control.
How we work with you
This is how we usually work with clients, but every situation is different and we adapt as we go.
Sometimes we’re able to talk through debt options in the first meeting; in other cases it takes longer.
Most importantly, we take things step by step, at a pace that feels right for you. You make all the decisions.
Why people turn to us
Free
no hidden costs
Confidential
your situation stays private
Impartial
we work for you, not for commission
Face-to-face
real people, not a call centre
Regulated by the FCA
you’re in safe hands
Trusted local charity
supporting Harpenden and beyond
Why you can trust us
We’ve been supporting the community for over 17 years
We’ve already helped 900 local clients
Together they owed £11 million — and found hope again
97% of our clients rate us 5 out of 5
You’re not just a case number
You’re a person, and we’ll walk with you step by step.
Take the first step today:
What our clients are saying
“To Richard and all the Harpenden Money Advice Team, I would like to say a big thank you to all your amazing support.
I woke up every day this month with a big smile on my face, without any worry of my creditors calling me to pay off any money. It’s all because you made this happen.
You created a new world for me.”
“I just wanted to say thank you so much, for everything you have done for me.
Probably, I wouldn’t be here had I not had your help. So really thank you very much.”
“What an awesome service!
Thanks for your help, time and financial knowledge. I feel that your prayers broke the chains of poverty and your financial advice and hard work took me out of the wilderness. “
Frequently asked questions
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Yes. Our debt and benefits advice is completely free. We are a charity and do not charge fees or take commission from any debt solutions.
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No. The decisions are always yours.
Our role is to explain your options clearly, talk through the advantages and disadvantages, and help you understand what each choice could mean for you. There is no pressure to choose any particular solution, and we don’t benefit financially from the option you decide to take.
We’ll support you at a pace that feels right for you, and we’ll only move forward with your agreement.
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Yes. Everything you tell us is treated in confidence. We won’t contact anyone without your permission.
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No. There is no obligation and no pressure. We will explain your options clearly, but all decisions are always yours.
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We support people with debt, money worries, or concerns about benefits — whether problems are just starting or feel overwhelming. You don’t need to be in crisis to contact us.
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In most cases, yes. With your permission, we can contact creditors on your behalf and ask them to pause action while we work with you.
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It can be helpful, but it’s not essential. If you don’t have letters or bank statements with you, that won’t stop us helping — we can take things step by step.
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You can contact us, and we’ll be in touch to arrange an appointment.
If you still have questions, please get in touch.