Free advice on problem debtbased on what's best for you
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Our research reveals why working families are falling into problem debt.
What do our clients say about us?
A DMP helps you repay your debt by making lower monthly payments. Available UK-wide.
A DRO could be an option if you have few assets & a low income. Available England, Wales & NI.
With an IVA you pay a reduced amount over a fixed time period. Available England, Wales & NI.
Free, whole-of-market advice on equity release and mortgages. Available UK-wide.
Called sequestration in Scotland, bankruptcy helps clear debt, but has serious implications.
If you have a low income & few assets, MAP could be an option. Available in Scotland.
A DAS debt payment programme helps you repay at an affordable rate. Available in Scotland.
Make lower payments for 4 years. The remainder can then be written off. Available in Scotland.
Understand what bailiffs can and can't do and your rights.
Find out what to do next if you receive a County Court judgment in the post.
It's important to consider all your options before consolidating debt.
Make sure you know your rights if you're contacted by debt collectors.
Some UK debt management companies charge a fee – our advice is always free.
If you're struggling to make your credit card payments, we can help.
If you've received a decree from a sheriff court, find out what to do next.
We provide expert debt help to people struggling with rent arrears or house repossession.
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Start to deal with your debt - sign up to our step-by-step support programme of videos, guides and tips.
New findings highlight the extreme pressures felt by people in financial difficulty
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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.
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.
This is the average rating of our service by DMP and DRO
clients three months into their solution.
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»
We’re rated 4.9 out of 5*
"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.
© StepChange Debt Charity 2016