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. Freephone (including all mobiles).
StepChange Debt Charity logo

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

Request a call back »
Or call us on 0800 138 1111Mon-Fri 8am-8pm, Sat 8am-4pm

Government debt consolidation

In the past, some debt management companies advertised in a way that suggested they were a free advice agency or charity, or that they were endorsed by the Government. 

These companies used phrases like ‘Government debt consolidation’ or ‘Government debt advice’ to fool people into using their services. In fact these companies charged a fee to provide debt management services that are available free from genuine charities like us.

This was very misleading, and the regulator for the debt advice sector – then the Office of Fair Trading – took action against some companies to stop this type of advertising. The Financial Conduct Authority took over as regulator of the industry in 2014 and they’ve continued this push to bring these types of companies to account.

Hopefully this means you won’t see any more fee-charging companies advertising in this way.

If you have problems with your debt, you need professional, impartial debt advice from a respected debt charity like us. All our services are completely free and we make sure we recommend the very best debt solution for your individual circumstances.

Need debt help?

FREE online debt advice20 mins

Try Debt Remedy

Or call our expert debt advisors 0800 138 1111

8am to 8pm Monday to Friday, 8am to 4pm Saturday.

We can give you free debt advice

As the UK’s foremost debt charity, we can look carefully at your financial circumstances and recommend a debt solution for you.

Use our online Debt Remedy tool, and get free, expert advice in complete confidence.

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.