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Our debt solutions

Debt management plan

A debt management plan (DMP) helps manage your debts and pay them off at a more affordable rate by making reduced monthly payments.

Bankruptcy advice

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.

Debt relief order

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.

Equity release and mortgages

Our StepChange Financial Solutions team give free, whole-of-market advice you can trust on equity release and mortgages.

Debt advice in Scotland

In Scotland we can help you deal with your debts under the Debt Arrangement Scheme (DAS), and help with other solutions such as sequestration.

Need debt advice now?

Considering a payday loan?

These may feel like a quick solution, but they won't solve your debt problem.

Thinking of debt consolidation?

This may seem like a good solution to your debt problem - but there can be disadvantages.

Credit card debt problems?

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

Debt collection agencies

Make sure you know your rights.

Debt management companies

Many UK debt management companies charge fees for their DMPs - but ours are completely free.

Bailiffs at the door?

Understand what bailiffs can and cannot do.

Received a CCJ?

Find out about your rights and what to do next.

Worried about housing debts?

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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For Debt Awareness Week 2015 we’re launching our new 7 Days, 7 Ways email programme.
Offering 7 days of bite sized advice and support, it could make a life changing difference.

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What's on the blog?

You're in debt but what can your creditors actually do?

Get peace of mind on where you stand

How do I get out of payday loans?

Follow these steps on what to do next

Your debts written off - too good to be true?

In most cases, it usually is

Visit our money management blog

Debt facts

For more debt facts, please visit our debt information and advice guide.

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We've changed our name

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

Media centre - latest news

get the latest debt news

StepChange Debt Charity responds to insolvency statistics

29 January, 2015

Mike O'Connor warns against complacency following a drop in insolvency numbers.

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)

StepChange Debt Charity logo

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.

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