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

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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

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

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Types of debt

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

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Budgeting

housing

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

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

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Housing

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

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Life changes

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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.

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Helping you become debt free...

"What an amazing service. It is not always easy to call for help on the phone and the advice given to me was very private and very helpful."

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