We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Calls are free from all major mobile networks.
StepChange Debt Charity logo

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

0800 138 1111 Freephone, including all major mobile networks*

Debt advice in Wales. All you need to know.

Wherever you live in Wales, StepChange Debt Charity is here to help you. Whether you’re struggling with your housing costs or falling behind with your debts, we provide personalised debt advice that is specifically tailored for you.

How we can help you

Whatever your situation, our expert advisors will be able to help. We’ll look at your individual circumstances, work out a manageable budget and provide you with specifically tailored advice that will help you deal with your debts and get you back on track.

We’ll take some initial details and book you an appointment with one of our specialist debt advisors. Don’t forget to let us know if you speak Welsh, so that we can make sure your appointment is booked with one of our Welsh-speaking debt advisors.

Or why not complete our online Debt Remedy tool, which gives you help with your debts in just 20 minutes. Our advice will be specifically tailored to your situation.

The stress and anxiety of not being able to pay your creditors is unbelievable. But with your wonderful charity’s help it seems we have been given a reprieve - Hear more from our clients

Debt Solutions

There are a variety of debt solutions available to help deal with your debts. Our experienced advisors will find exactly the right one to fit your situation. You can find out more about the solutions available below.

Debt management plan (DMP)

Our DMPs are a completely FREE and available nationwide. You make one affordable monthly payment to us each month and we distribute this fairly to your creditors.

Our DMPs give you the peace of mind that every single penny you pay to us is going towards repaying your debt. To find out more about how our DMPs work visit our DMP page.

Individual voluntary arrangement (IVA)

IVAs are a legally binding arrangement between you and your creditors, where you repay your debts over a 5 or 6 year period. During this time you make one monthly payment and at the end of this time any remaining debt is written off. Our IVA company, StepChange Voluntary Arrangements, can set up, run and manage your IVA. Find out more about our IVAs.

Debt relief order (DRO)

DROs are a way of writing off your unsecured debt if you have a low income and you owe less than £15,000. We are one of the few organisations that can submit a DRO application on your behalf. Find out more about applying for a DRO.

Bankruptcy

Bankruptcy is a form of insolvency that writes off your unsecured debts giving you a fresh start. Because it’s a form of insolvency, your unsecured debts need to outweigh your assets (such as property or vehicles). Find out more about the criteria for bankruptcy.

Equity release

Equity release can help free up money that is tied up in your home so you can improve your financial situation, without the need to move. We have our own equity release advisors who can guide you through the process. Our equity release information will give you more details on how this works and whether you qualify.

Temporary repayment plan

If you cant afford to pay your creditors you may have to arrange a temporary repayment plan. This is where you make a small payment towards your debts as a token to show you’re willing to deal with your debt but can’t afford to pay them. This isn’t a long term solution, but to find out more you can read our information on temporary repayment plans.

Settlement offers

If you have a lump sum of money or an asset, for example a property, a car or savings, you may be able to use these to help clear your unsecured debt. You can find out more about this by reading our settlement offers information.

Debt consolidation

Debt consolidation is when you take out one large loan to repay all of the other debts you have. This can be a risky solution to your debt problem. If you're considering this option, please read our detailed information on debt consolidation.

Remortgaging

This is when you get a new mortgage to give you extra money to repay your debts. Find out more about what you need to do before remortgaging.

Struggling with your housing costs?

We know that housing-related debt is on the rise and whether you rent your home and are building up arrears or you’re a homeowner struggling with mortgage payments, we can help.

We operate Housing Debt Helpline Wales, a dedicated service for the people of Wales who are struggling with their mortgage or rent payments. Find out more about Housing Debt Helpline Wales.

Need debt help in Wales?

FREE online debt advice   20 mins

Try Debt Remedy

Or call our expert debt advisors 0800 138 1111 Freephone - including all mobiles.

Who we are

Our office on Cathedral Road in Cardiff has been up and running since 1997 and we help thousands of people every year. Our experts specialise in resolving personal and housing debt problems for the people of Wales.

Rydym ni yma I helpu chi (we are here to help you)….We have Welsh-speaking advisors who can conduct your debt advice session in Welsh.

Creditor action in Wales

Received a letter about your mortgage or rent arrears? Getting unpleasant phone calls from your credit card company?

Trying to work out what your creditors can and can’t do is often the most stressful part of being in debt. The important thing to remember is not to panic. Whether it’s a phone call or a letter from the court, we can help.

If you’re worried you can read our step by step guide on what your creditors can do, or have a look at the practical information on how to deal with mortgage and rent arrears in our housing section.

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