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A debt management plan (DMP) helps manage your debts and pay them off at a more affordable rate by making reduced monthly payments.
Bankruptcy helps rid you of debt that would otherwise take years to clear - but it's a serious step and should never be undertaken lightly.
An individual voluntary arrangement (IVA) is a legal agreement allowing you to repay a reduced amount from any surplus monthly income.
A debt relief order (DRO) may be an option if you owe less than £15,000, have a low income and very few assets. We can help you apply.
Our StepChange Financial Solutions team give free, whole-of-market advice you can trust on equity release and mortgages.
In Scotland we can help you deal with your debts under the Debt Arrangement Scheme (DAS), and help with other solutions such as sequestration.
These may feel like a quick solution, but they won't solve your debt problem.
This may seem like a good solution to your debt problem - but there can be disadvantages.
If you're struggling to make your payments, we can help.
Make sure you know your rights.
Many UK debt management companies charge fees for their DMPs - but ours are completely free.
Understand what bailiffs can and cannot do.
Find out about your rights and what to do next.
We can provide expert help to people struggling with rent arrears or house repossession.
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We're the UK's leading debt advice charity, and we've been helping people break free from problem debt for 20 years.
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If your debt management company has closed or has been affected by action by the Financial Conduct Authority (FCA) we can provide free and confidential advice on your options.
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"You threw me a lifeline and I will never be able to thank you enough."- Marina, Swansea
"A huge weight has been lifted off my shoulders which I've had for many years."- Michelle, Hertfordshire
"There wasn't a question or query that couldn't be answered or solved."- Julie, Cheshire
"What wonderful people you are. I feel so much better with that debt off my back."- Jeffrey, Surrey
Get peace of mind on where you stand
There are lots of ways to boost your income.
In most cases, it usually is.
Visit our money management and budgeting blog for tips and advice.
For more debt facts, please visit our debt information and advice guide.
We've found that overspending is not the main cause of debt problems.
Collection agents are not bailiffs and cannot seize your property.
Your student loan will not be written off if you go bankrupt.
Not all of your creditors have to agree to the terms of your IVA for it to be activated.
Avoiding your debt for 6 years does not mean you're no longer liable for it.
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Our name has changed from Consumer Credit Counselling Service (CCCS) to StepChange Debt Charity as part of our plan to become more vocal about debt. As the UK’s leading debt charity, our non-judgmental debt advice has changed the lives of millions of people across the country with debt problems. We still want to reach millions more.
Find out more
31 March, 2015
StepChange Debt Charity has announced that Sir Hector Sants will serve as its new Chair, replacing Lord Wilf Stevenson of Balmacara.
"I wish to thank your staff for all the great help they gave me when I was in so much debt. They were a pillar of support to me." (Leslie, Essex)
Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.
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© StepChange Debt Charity 2015