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'The new normal'

Our research reveals why working families are falling into problem debt.

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People we’ve helped

What do our clients say about us?

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» Our debt solutions

Debt management plan (DMP)

A DMP helps you repay your debt by making lower monthly payments. Available UK-wide.

Debt relief order (DRO)

A DRO could be an option if you have few assets & a low income. Available England, Wales & NI. 

IVA

With an IVA you pay a reduced amount over a fixed time period. Available England, Wales & NI. 

Equity release and mortgages

Free, whole-of-market advice on equity release and mortgages. Available UK-wide.

Bankruptcy

Called sequestration in Scotland, bankruptcy helps clear debt, but has serious implications.

Minimal assets process (MAP)

If you have a low income & few assets, MAP could be an option. Available in Scotland.

Debt arrangement scheme

A DAS debt payment programme helps you repay at an affordable rate. Available in Scotland.

Trust deed

Make lower payments for 4 years. The remainder can then be written off. Available in Scotland.

» Need debt help now?

Bailiffs at the door?

Understand what bailiffs can and can't do and your rights.

Received a CCJ?

Find out what to do next if you receive a County Court judgment in the post.

Thinking of debt consolidation?

It's important to consider all your options before consolidating debt.

Debt collection agencies

Make sure you know your rights if you're contacted by debt collectors.

Debt management companies

Some UK debt management companies charge a fee – our advice is always free.

Credit card debt problems?

If you're struggling to make your credit card payments, we can help.

Received a decree in the post?

If you've received a decree from a sheriff court, find out what to do next.

Mortgage or rent worries?

We provide expert debt help to people struggling with rent arrears or house repossession.

Debt Remedy tool FREE personal debt advice in 20 mins

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We join with Martin Lewis in request for people in debt crisis to have 'breathing space' to buy food

New findings highlight the extreme pressures felt by people in financial difficulty

Our debt tools

60-second debt test Answer five simple questions and find out if you need debt advice.

Debt consolidation calculator Is debt consolidation right for you?

Payday loans calculator Find out how payday loan debts can quickly spiral.

Online benefits calculator Make sure you’re getting all the benefits you’re entitled to.

MoneyAware

What are 'statute barred' debts?
Whether old debts can be written off.

20 weird ways to make money
There are lots of ways to boost your income.

"Debts written off" ads - too good to be true?
In most cases, it usually is.

Visit our money management and budgeting blog for more tips and advice.

We're rated

4.9 Stars
4.9 out of 5
Read our reviews »

This is the average rating of our service by DMP and DRO clients three months into their solution.

Work with StepChange Debt Charity

With the support of our partners we can help more people struggling with debt problems to access free advice and solutions. Find out more about how you can partner»

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Helping you become debt free...

"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.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.