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Take a closer look at UK personal and household debt trends in 2015.
What do our clients say about us?
We've updated our online benefits checker with the latest figures for 2016/17. Find out if you're getting everything you're entitled to.
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.
Get debt help now
Start to deal with your debt - sign up to our step-by-step support programme of videos, guides and tips.
The most recent figures from the Insolvency Service show an increase in the number of people entering into a debt relief order (DRO).
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.
April 2016 benefit changes
April's benefit changes and who they'll affect.
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.
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 other organisations we can help more people struggling with debt problems to access free advice and solutions. Find out more about how you can work with us»
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 Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). 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