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Our debt solutions

Debt management plan

A debt management plan (DMP) helps manage your debts and pay them off at a more affordable rate by making reduced monthly payments.

Bankruptcy advice

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.

IVA

An individual voluntary arrangement (IVA) is a legal agreement allowing you to repay a reduced amount from any surplus monthly income.

Debt relief order

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.

Equity release

If you’re a homeowner and 55 or over, you may be able to release money tied up in your home to pay off your debts - without the need to move.

Debt advice in Scotland

In Scotland we can help you deal with your debts under the Debt Arrangement Scheme (DAS), and help with other solutions such as sequestration.

Need debt advice now?

Credit card debt problems?

If you're struggling to make your payments, we can help.

Facing house repossession?

We're experts in helping people with housing debts.

Received a CCJ?

Find out about your rights and what to do next.

Bailiffs at the door?

Understand what they can and cannot do.

Considering a payday loan?

These may feel like a quick solution, but they won't solve your debt problem.

Debt management companies

Many UK debt management companies charge fees for their DMPs - but ours are completely free.

Thinking of debt consolidation?

This may seem like a good solution to your debt problem - but there can be disadvantages.

Debt collection agencies

Make sure you know your rights.

 

Debt Remedy tool FREE personal debt advice in 20 mins

Complete our Debt Remedy tool to get FREE individual debt help now

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  • Personal action plan

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Help you can trust

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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Debt and mental health are linked.

Worrying about money can be harmful to your health. Explore how debt and mental health are connected.

Payday loans

Don't use a payday loan to deal with debt.

People we've helped

Messages we've received Read all

What's on the blog?

Can't afford a payday loan

We can tell you how to sort them out

Coping with financial stress

Practical tips to help you manage

How to cancel a continuous payment authority

An easy to follow guide, including template letter

Visit our MoneyAware blog

Debt facts

Sign up for our MoneyAware newsletter. Each month we'll send you the latest debt news, advice and tips to help you manage your money better and avoid debt.

We've changed our name

Our name has changed from Consumer Credit Counselling Service (CCCS) to StepChange Debt Charity. We’ve already helped change the lives of millions of people, and we want to help millions more. Our new name is more memorable and will help us become better known across the UK.

Find out more

Media centre - latest news

Self-employed problem debt risk

Debt and mental health problems affect tens of thousands

15 May, 2013

StepChange Debt Charity warns that many people with debt problems may be suffering with mental health problems.

Media centre

Through campaigns, research, press releases and social media, we provide leading insight on problem debt.

Careers at StepChange

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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© StepChange Debt Charity 2012

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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StepChange Debt Charity is the new name for the Consumer Credit Counselling Service. Although we look different, our service, and the people behind it, are just the same.

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We hope you like our new and improved website. If you need free advice, support or solutions to resolve your debt problem, we've made it easier to find. And if you need to speak to someone, we're always here for you.

Find out more about our name change