Mae'n bwysig iawn bod pobl yn gallu cael y cyngor rhad ac am ddim y mae arnynt ei angen ar ddyledion drwy amrywiaeth o sianeli. Er y bydd y gwasanaethau cyngor ar ddyledion yn y gymuned yn cael eu darparu'n bennaf 'wyneb yn wyneb', mae yna bobl a fyddai, am nifer o resymau, yn dymuno cael cyngor drwy ddulliau eraill. Felly, mae Llywodraeth Cymru hefyd yn gwneud cyfraniadau ariannol i wasanaethau cyngor ar ddyledion a ddarperir dros y ffôn ac ar y we, gan gynnwys y rhai a ddarperir gan yr elusen dyledion StepChange.
It is very important that people can access the free, quality debt advice they need through a range of channels. Whilst the community based debt advice services will predominately be delivered ‘face-to-face’, there are people who, for many reasons, would prefer to access the advice through other means. Therefore, the Welsh Government is also making financial contributions to the provision of telephone and web-based debt advice services, including those provided by the StepChange debt charity.