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Paul was in the same situation until he came to us for advice.
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Read what some of our clients have to say about us. Their words are even more meaningful than ours.
A debt management plan (DMP) helps manage your debts and pay them off at a more affordable rate by making reduced monthly payments.
Bankruptcy helps rid you of debt that would otherwise take years to clear - but it's a serious step and should never be undertaken lightly.
An individual voluntary arrangement (IVA) is a legal agreement allowing you to repay a reduced amount from any surplus monthly income.
A debt relief order (DRO) may be an option if you owe less than £15,000, have a low income and very few assets. We can help you apply.
Our StepChange Financial Solutions team give free, whole-of-market advice you can trust on equity release and mortgages.
In Scotland we can help you deal with your debts under the Debt Arrangement Scheme (DAS), and help with other solutions such as sequestration.
These may feel like a quick solution, but they won't solve your debt problem.
This may seem like a good solution to your debt problem - but there can be disadvantages.
If you're struggling to make your payments, we can help.
Make sure you know your rights.
Many UK debt management companies charge fees for their DMPs - but ours are completely free.
Understand what bailiffs can and cannot do.
Find out about your rights and what to do next.
We can provide expert help to people struggling with rent arrears or house repossession.
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We're the UK's leading debt advice charity, and we've been helping people break free from problem debt for 20 years.
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Wonga recently announced they'll be writing off more than 330,000 loans. If your loan with Wonga was recently written off and you're on a DMP or a TPP with us, here's what you need to do next.
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In most cases, it usually is
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Overspending is not the main cause of debt problems.
Collection agents are not bailiffs and cannot seize your property.
Your student loan will not be written off if you go bankrupt.
Not all of your creditors have to agree to the terms of your IVA for it to be activated.
Avoiding your debt for 6 years does not mean you're no longer liable for it.
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Our name has changed from Consumer Credit Counselling Service (CCCS) to StepChange Debt Charity as part of our plan to become more vocal about debt. As the UK’s leading debt charity, our non-judgmental debt advice has changed the lives of millions of people across the country with debt problems. We still want to reach millions more.
Find out more
StepChange Debt Charity response to Competition and CMA payday loan proposals
9 October, 2014
Payday loans often trap financially vulnerable people in harmful cycles of unmanageable debt.
Through campaigns, research, press releases and social media, we provide leading insight on problem debt.
You’re not just doing a job working for us. You're making a positive difference to people when they need it most.
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"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."