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Paul was in the same situation until he came to us for advice.
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Read what some of our clients have to say about us. Their words are even more meaningful than ours.
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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If you're worried about repossession, have received court paperwork or you've got a court date coming up soon then visit our repossession page for information on what to do next.
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"You threw me a lifeline and I will never be able to thank you enough."
- Marina, Swansea
"A huge weight has been lifted off my shoulders which I've had for many years."
- Michelle, St Albans
"There wasn't a question or query that couldn't be answered or solved."
- Julie, Cheshire
"What wonderful people you are. I feel so much better with that debt off my back."
- Jeffrey, Surrey
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In most cases, it usually is
Visit our money management blog
For more debt facts, please visit our debt information and advice guide.
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 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.
Find out more
17 December, 2014
Our latest report looks at the changing nature of debt problems in Scotland.
Through campaigns, research, press releases and social media, we provide leading insight on problem debt.
You’re not just doing a job working for us. You're making a positive difference to people when they need it most.
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© StepChange Debt Charity 2014
"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)