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

0800 138 1111Freephone, including all major mobile networks*

Debt information and advice. All you need to know about debt.

At StepChange Debt Charity, we’re the experts in managing problem debt. Whether it’s what to expect when you can’t afford to pay your debts, how to create a personal budget, or practical solutions for dealing with your debt, you’ll find all the answers you need right here.

What your creditors can do

Couple discussing problems

Know what to expect and what you should do when you miss payments for your debts.

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Types of debt

types of debt

There are lots of different types of debt and each one works in a slightly different way.

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The first step in taking control of your situation is to budget. Find out how to do this effectively using the links below.

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Debt solutions

Woman looking at paperwork

Find out more about the wide range of solutions that are available to help you with your debts.

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Little girl playing on the floor

Whether you’re renting or you own your home, falling behind with your payments can have serious consequences.

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Life changes

Holding hands

Whether it's expected or not, a change in your personal situation can have a massive impact on your finances.

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Debt advice across the UK

We provide practical help on problem debt to clients across the UK. So wherever you live, our debt information and advice section will tell you all you need to know.

There are some differences in how debt solutions work, depending on where you live. You’ll find details in the links below.

If you live in the Channel Islands or outside the UK but have UK debts we can still help.

Find out more

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.

* Major mobile networks include Orange/EE, O2, Vodafone, T-Mobile, Three, Tesco Mobile and Virgin Mobile. Call charges from other networks may vary.