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StepChange Debt Charity logo

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

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

We know debt. Our practical approach transforms lives.

When debts get out of control, it's often difficult to know where to turn. That's why we're here to provide the expert and impartial advice that you need.

We are the UK's leading debt charity. Every year, we help thousands of people just like you overcome their debt problems. Through our telephone debt helpline, and online Debt Remedy tool, we provide free and effective debt advice, and practical solutions, to help transform the lives of those struggling with the stress and worry of problem debt.

Three simple steps to take control of your finances

Regardless of whether you're looking for debt help online or by phone, our simple debt advice process will ensure we find the right solution for you. Here's how we do it:

  1. Learn more about you: Either use Debt Remedy, our anonymous online advice tool, or call our telephone debt helpline and speak to one of our expert advisors. We’ll gather details of your income, outgoings, unsecured debts and any assets you have.
  2. Create a budget: We’ll agree a sustainable budget tailored to your situation. This will allow us to see what’s left each month to go towards your unsecured debts.
  3. Take action: We’ll provide you with tailored information and clear advice on the best debt solution for you. And we'll help you set it up.

Whilst we can’t promise miracles or that it will be a walk in the park, experience tells us that by working together we can get you to a future that’s brighter than you might have imagined.

How we're funded

Unlike fee-charging debt management companies, our service is funded by creditors, not paid for by clients. This is made possible by the charitable contributions that creditors make to us. As a result, our advice to those in need is genuinely free. It’s based on what’s best for our clients, not what’s profitable for us.

We’re a charity, so unlike many other debt advisors and debt management companies we're not driven by profits or shareholders. Instead, our debt advice is always free and our priority is always you.

Need debt help now? FREE personal debt advice in 20 mins

Complete our Debt Remedy tool to get FREE individual debt help

  • Completely anonymous
  • Personal action plan

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Why choose us?

With over 20 years’ experience, you can be confident that you’re getting the best possible advice.

  • Our advice is completely FREE. It’s based on what’s best for you, not what’s profitable for us.
  • Tailored advice.Whether you go to our online Debt Remedy tool or speak to one of our expert advisors, our advice will always be right for you.

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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