There is growing concern that free, face-to-face advice which helps hundreds of thousands out of debt each year could be cut.
New contracts from the Money and Pensions Service (MaPS), which funds most free debt advice in England, will see more money spent on help given over the phone or online.
Debt advisors says that risks leaving some people behind.
MaPS says the new contracts will provide more help to more people.
Jane, that's not her real name, got into £2,000 worth of debt a couple of years ago.
She says getting advice in person was crucial in helping her get her finances back in order.
"I found an organisation near me and they were really lovely," she says.
"I went in, we sat around, there was a team of people that worked in different areas."
'Part of a team'
"Someone was contacting the council for me while I was in the room so if there was a question I'd speak to them.
"Somebody else was uploading information so all my income was being put on one sheet and that was being sent to everyone.
"Feeling like you were part of a team rather than being interviewed - it helped actually seeing people face-to-face."
Jane is dyslexic and describes herself as neurodiverse, which refers to the different ways in which some people think, learn and relate to others.
She told Money Box there is no way people like her could get the same quality of debt advice and help remotely; "If I had to have that debt advice over the phone it wouldn't have been the same at all.
"When we sat at the table, we laid everything out, and put everything into piles. I can't see how that would happen over the phone.
"If you're having a phone conversation and then you've got to go on email and then there's an email... it just adds to the amount of chaos going on at that time.
"To go in there it's a lot quicker to just organise everything [and] sort everything out."
The funding restructure by MaPS will mean more money will go to a smaller number of larger regional and national centres, leaving less for local, on the ground, face-to-face support.
Debt advisors say while help over the phone or online can work for some, for others, like Jane, there is no substitute for help and advice given in person.
Amy Taylor, a debt advisor and chair of the Greater Manchester Money Advice Group, told BBC Radio 4's Money Box programme this change in funding strategy could cut the amount of face-to-face advice by between 50% and 60%.
She said that in one area that covers Grimsby and Hull, which was recently named the debt capital of the UK, there are currently 15 debt advisors.
In March 2022, when this new funding comes into effect, there will be four.
"We will be losing that local connection that people need.
"The shift is towards regional or national contact centres rather than having organisations with front doors open where somebody with their carrier bag full of unopened letters [bills] can walk in and get the debt advice they need.
"So the MaPS is directing the funding towards remote debt advice and that is a different thing to what debt advisors do".
Debt advisors have now started a campaign group and are due to meet a group of around a dozen MPs on 4 November to talk through their concerns.
Questions are also now being raised in Parliament about the changes:
Money that provides debt counsellors and advisors is falling at a time when more and more people need their support, both myself and my colleague brought this to the governments attention last night. pic.twitter.com/pw1FDpmqnk— Emma Hardy MP (@EmmaHardyMP) October 20, 2021
In a statement MaPS said; ""MaPS' debt advice recommissioning is the most significant investment in debt advice ever made.
"It will materially increase the amount of debt advice available to people in England, ensure services are built around customers' needs and be based on modern good public funding practices.
"We've asked debt advice providers to tell us how they will deliver what customers need, including through continuing to offer face-to-face services.
"We also want them to consider how other channels - such as virtual appointments - should also form part of the service they offer."
The Scottish government said it believes people should choose how and when they can access advice it provides - which is a mixture of face-to-face, phone and online services.
The Welsh Government said that before the pandemic most of its advice was face-to-face but remote services have helped since then.
You can hear more on BBC Radio 4's Money Box programme on Saturday at 12pm on Radio 4 or by listening again here shortly after broadcast.