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

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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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Help you can trust

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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Wonga debts written off: how it'll affect you

Wonga recently announced they'll be writing off more than 330,000 loans. If your loan with Wonga was recently written off and you're on a DMP or a TPP with us, here's what you need to do next.

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

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Your debts written off - too good to be true?

In most cases, it usually is

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We've changed our name

Our name has changed from Consumer Credit Counselling Service (CCCS) to StepChange Debt Charity. Our non-judgmental debt counselling has already helped change the lives of millions of people, and we want to help millions more. Our new name is more memorable and will help us become better known across the UK.

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get the latest debt news

StepChange Debt Charity response to Competition and CMA payday loan proposals

9 October, 2014

Payday loans often trap financially vulnerable people in harmful cycles of unmanageable debt.

Helping you become debt free...

"What an amazing service. It is not always easy to call for help on the phone and the advice given to me was very private and very helpful."

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