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

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Our vision: We want to create a society free from problem debt.

View our strategy summary »


By raising awareness of the issues surrounding debt in the UK, and building on the vital work that we've done over the last 20 years, we'll help to overcome the massive problems that debt presents in the 21st century.

Over the last two decades, our service has grown massively. From the introduction of debt management plans, to the pioneering use of cognitive behavioural therapy to help with debt-related stress in our Wellbeing tool, we have shown the quality of client care that sets the standard.

We want to be recognised as the most trusted provider of free debt advice and solutions. We will continue to be the champion of all that is best in debt advice and debt management.

The value of what we do can never be underestimated. Problem debt causes untold distress to individuals, but the damage goes much further – ruining homes, wrecking families and affecting whole communities. Our interventions have helped transform the lives of millions. And we are committed to helping millions more.

What we promise our clients

We work with clients to resolve the debt problems they face. We make no judgement on the causes of debt problems and work with clients in a sympathetic and supportive manner.

We undertake a comprehensive examination of the client's financial position, discuss possible solutions and recommend a course of action.

Where clients can afford to repay their debt in a reasonable period of time, we recommend a repayment solution. If it's not possible to repay in a reasonable period of time, we will recommend an insolvency option. Where we support clients with the administration of a long term plan we review the situation at least annually.

We never charge for the advice we provide.

We communicate with clients in a clear, honest, accurate, regular and timely manner.

The challenge ahead

As the debt landscape changes and client needs evolve, we plan to react to the emerging issues that people in financial difficulty face.

Our three year strategy (2015-17) builds both on our current strengths and anticipates a changing social and economic environment.

View our strategy summary


Action Plan on Problem Debt

The consequences of debt - lost jobs, homes, broken relationships, mental health and support needs - leads to social costs of £8.3 billion.

The Government has an opportunity to offer better help for people in debt get back on their feet and contributing to the economy, and prevent the next generation from falling into the same trap.

Read more

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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)

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.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.