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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.

We won’t achieve it on our own, but by raising awareness of the issues surrounding debt in the UK and building on the vital work that we have done over the last 20 years, we will 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, 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:
  • Our advice is free, confidential and impartial.
  • We know debt, so our clients can be sure we’ll provide impartial debt advice and the right practical solution.
  • Where appropriate, we support clients’ repayment of their debts through a sustainable, managed plan.
  • Where a repayment plan has been set up, we provide aftercare and support to each client through dedicated guidance teams.
  • We are a charity and conduct ourselves according to the rules and governing principles of the Charity Commission of England and Wales and the Scottish Charity Commission.

Our new name

In 2012 we changed our name 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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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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