We offer free, impartial debt advice and can also arrange a debt plan for you to get your finances back on track.
As the UK’s leading debt help charity, StepChange Debt Charity is committed to helping people with financial troubles. If it is appropriate for your situation, we can organise a debt management plan (DMP) for you, completely free of charge.
If you have money left over after paying your essential bills and living expenses, a debt management plan might be suitable for you.
Debt plan of reduced debt payments
If a debt management plan is appropriate for your circumstances, we will contact your creditors with a DMP proposal. You will pay one monthly sum to us and we will distribute it all between your debts.
Free debt plan
Remember, our services are completely free. We do not charge for arranging and managing your debt management plan and all your payments go towards reducing your debts. When you are on a DMP, we ask all your creditors to accept the reduced payment and to stop adding interest and charges. However, we cannot force them to do this.
If you think a DMP could help solve your financial difficulties, use our online Debt Remedy tool and we will recommend the most appropriate debt solution for you.