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Our debt solutions

Debt management plan

A debt management plan (DMP) helps manage your debts and pay them off at a more affordable rate by making reduced monthly payments.

Bankruptcy advice

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.

Debt relief order

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.

Equity release and mortgages

Our StepChange Financial Solutions team give free, whole-of-market advice you can trust on equity release and mortgages.

Debt solutions in Scotland

In Scotland we can help you deal with your debts under the Debt Arrangement Scheme (DAS), and help with other solutions such as sequestration.

Need debt advice now?

Considering a payday loan?

These may feel like a quick solution, but they won't solve your debt problem.

Thinking of debt consolidation?

This may seem like a good solution to your debt problem - but there can be disadvantages.

Credit card debt problems?

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

Debt collection agencies

Make sure you know your rights.

Debt management companies

Many UK debt management companies charge fees for their DMPs - but ours are completely free.

Bailiffs at the door?

Understand what bailiffs can and cannot do.

Received a CCJ?

Find out about your rights and what to do next.

Worried about housing debts?

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


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Help you can trust

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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Are you struggling with Council tax arrears?

Our recent report found a large increase in the number of people with Council tax arrears. If you're struggling, visit our Council tax debt page.

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What's on the blog?

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20 weird ways to make money

There are lots of ways to boost your income.

Your debts written off - too good to be true?

In most cases, it usually is.

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

Debt facts

For more debt facts, please visit our debt information and advice guide.

Subscribe to our MoneyAware newsletter. Each month we'll send you the latest debt news, advice and tips to help you manage your money better and avoid debt.

We've changed our name

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. 

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Media centre - latest news

get the latest debt news

StepChange response to today's Farnish Review

20 March, 2015

StepChange Debt Charity Chief Executive Mike O'Connor responds to today's review of the Money Advice Service.

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)

StepChange Debt Charity logo

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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