Free advice on problem debtbased on what's best for you
If you’re part way through a Debt Remedy session...
If you’re an existing DMP client...
Find out more about our experience, our services and what makes us the UK's leading debt charity.
We offer tailored advice and practical solutions to
help you manage debt and make a fresh start.
We are an independent charity dedicated to overcoming problem debt. Our advice and solutions services are effective, tailored and importantly, free.
We're a charity, so unlike many other debt advisors we're not driven by profits or shareholders. Our debt advice is always free and our priority is always you.
Our experienced advisors can help with practical solutions to put you back in control of your finances.
We work with a range of partners including voluntary organisations, trade unions, and the credit industry.
StepChange Debt Charity is the new name for the UK's leading debt advice organisation. Previously known as Consumer Credit Counselling Service (CCCS) we have over 20 years' experience of helping people become debt free.
Our new name is part of our plan to be more visible and vocal and to help even more people. Read more
The expert team at StepChange Debt Charity really do change people's lives. Read more
Our chairman and English and Scottish boards of trustees bring a wealth of experience to StepChange Debt Charity.
Foundation for Credit Counselling set up by Vic Ware O.B.E and Malcolm Hurlston. This quickly becomes the Consumer Credit Counselling Service (CCCS).
Our dedicated debt advice centre in Leeds opens. It has since taken 13 million calls, helping 1.5 million clients address 28bn worth of debt.
We pioneer the debt management plan (DMP), which has since helped thousands of people repay their debts.
With almost all of the biggest names in the UK credit industry having pledged their support to the charity, the pace of the development increases, allowing us to expand our debt counselling services
Our office on Mitchell Street in Glasgow opens, giving us a regional base to provide debt advice in Scotland for people who are struggling with their debts.
Our office in Limavady opens, allowing us to provide specifically tailored debt advice in Northern Ireland.
Our data warehouse is created, allowing us to provide government and policymakers with key insights into the lives of financially distressed families and individuals.
We introduce Debt Remedy - the first online tool to provide free, anonymous debt advice.
We introduce CCCS Voluntary Arrangements - the only not-for-profit organisation to offer individual voluntary arrangements (IVAs) on a charitable basis.
Our office in Cardiff starts to operate the Housing Debt Helpline Wales - a dedicated service providing debt advice in Wales for people who are struggling to meet their mortgage or rent payments.
We introduce CCCSER - an equity release company to enable homeowners over the age of 55 to use equity from their home to repay their debts.
We introduce Wellbeing – an online tool providing support for Debt Remedy clients who have shown signs of depression or anxiety.
We change our name from CCCS to StepChange Debt Charity, as part of our plan to help more people, and become even more visible and vocal.
FREE online debt advice 20 mins
Or call our expert debt advisors 0800 138 1111 Freephone - including all mobiles.
Economic recovery failing to fix fragile household finances
10 April, 2014
Our chief executive Mike O'Connor comments on the debt spiral faced by millions of households.
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© StepChange Debt Charity 2014
"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."