We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo

Free advice on problem debt
based on what's best for you

Request a call back »
Or call us on 0800 138 1111Mon-Fri 8am-8pm, Sat 8am-4pm

Free debt advice

Get free debt advice and your personal action plan now.

Get debt help now

Our latest research

Our latest problem debt statistics, based on information from 2.8m clients.

Find out more

People we’ve helped

What do our clients say about us?

Read more

Dollar Financial UK compensation – are you affected?

The Money Shop, Payday Express, Payday UK and Ladder Loans are recompensing 147,000 customers. If this affects you, find out what to do next.

» Our debt solutions

Debt management plan (DMP)

A DMP helps you repay your debt by making lower monthly payments. Available UK-wide.

Debt relief order (DRO)

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. 

Equity release and mortgages

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.

Minimal assets process (MAP)

If you have a low income & few assets, MAP could be an option. Available in Scotland.

Debt arrangement scheme

A DAS debt payment programme helps you repay at an affordable rate. Available in Scotland.

Trust deed

Make lower payments for 4 years. The remainder can then be written off. Available in Scotland.

» Need debt help now?

Bailiffs at the door?

Understand what bailiffs can and can't do and your rights.

Received a CCJ?

Find out what to do next if you receive a County Court judgment in the post.

Thinking of debt consolidation?

It's important to consider all your options before consolidating debt.

Debt collection agencies

Make sure you know your rights if you're contacted by debt collectors.

Debt management companies

Some UK debt management companies charge a fee – our advice is always free.

Credit card debt problems?

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

Received a decree in the post?

If you've received a decree from a sheriff court, find out what to do next.

Mortgage or rent worries?

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

Debt Remedy tool FREE personal debt advice in 20 mins

  • Completely anonymous
  • Personal action plan

Get debt help now

Returning to Debt Remedy?

Don't know where to start? Use 7 Days 7 Ways to take control of your finances

7 Days logo

Our 7-day email programme is the perfect starting point to help you deal with your debts.

We respond to the Bank of England’s Money and Credit statistics

A response to the the Bank of England’s Money and Credit statistics from Peter Tutton, Head of Policy.

Our debt tools

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.

We're rated

4.9 Stars
4.9 out of 5
Read our reviews »

This is the average rating of our service by DMP and DRO clients three months into their solution.

Work with StepChange Debt Charity

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»

Money advice and tips by email

Sign up to our monthly email for the best budgeting advice and money-saving tips

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)

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.