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We understand the causes and see the consequences, but most importantly we know the way out.
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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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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. Our non-judgmental debt counselling has already helped change the lives of millions of people, and we want to help millions more. Our new name is more memorable and will help us become better known across the UK.
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Chief executive Mike O'Connor makes speech to NEA conference
17 September, 2014
The nature of debt has changed out of all recognition since the recession of 2008
Through campaigns, research, press releases and social media, we provide leading insight on problem debt.
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"What an amazing service. It is not always easy to call for help on the phone and the advice given to me was very private and very helpful."