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 1111Freephone, including all major mobile networks*

Types of debt

There are lots of different types of credit available and they all have slightly different terms and conditions. This can make it complicated to work out the differences between them.

We can give you free debt help and put you in a position to deal with whatever type of debt you have. 

Check your credit agreement

If you’re not sure what type of debt you have, you should check the credit agreement you got when you first took the debt out. If you don’t have the credit agreement you can ask your lender to provide you with a copy. They will be able to tell you what type of debt you have.

We can help

Whatever type of debt you’ve got, if you’re struggling to pay, we’ll be able to help you. You can use our online Debt Remedy tool which will give you personalised advice whatever your situation. If you’d prefer to speak to us call our Helpline on 0800 138 1111 (freephone, including all major mobile networks*) and talk to one of our expert advisors.

All our services are free and our debt advice is always impartial, confidential and tailored to your situation.

Debt FAQs

How do I find out what type of debt I have?

The agreement you signed when you first took out the credit will tell you what type of debt you have. Or you can contact your lender and they will be able to tell you.

What should I do if I’ve lost my original agreement?

If you don’t have a copy of the agreement you signed you can request that your creditor sends you a copy of this.

What is payment protection insurance (PPI)?

This is an insurance you can take out when you apply for credit; it repays the debt if you become ill or unemployed. Lots of PPI policies were mis-sold as they didn’t cover certain people or situations. Our MoneyAware blog can help you reclaim PPI for free.  

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.