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. Calls are free from all major mobile networks.
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Free advice on problem debt
based on what's best for you

0800 138 1111 Freephone, including all major mobile networks*

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.

IVA

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.

Debt Remedy tool FREE personal debt advice in 20 mins

Complete our Debt Remedy tool to get FREE individual debt help now

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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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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

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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. 

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Media centre - latest news

get the latest debt news

StepChange Debt Charity appoints new head of media and public affairs

27 November, 2014

Nasreen Memon has joined the charity as head of media and public affairs.

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)

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