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

0800 138 1111Freephone (including all mobiles)

How we can help you. We're debt experts.

Our team of debt experts help over 500,000 people a year across the UK to overcome their debt problems, and get their lives back on track. Here's how we can help you.

Three steps to help you gain control...

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Decide to get debt help

Struggling with debt isn’t something to be ashamed of - and we won’t judge you. The important thing is to get our free debt help quickly.

1

Call our Helpline or use our online Debt Remedy

Use Debt Remedy to tell us about your financial situation, it’s convenient and anonymous - or give our experts a call.

2

We'll give you the best advice, for free

We know debt, so you can be sure we’ll provide you with impartial debt advice and the right practical solution for you.

3

Get debt help now >>

Debt Remedy takes around 20 mins| It will recommend the best debt solution for you

StepChange Debt Charity solutions. Practical help to becoming debt free.

It's important to find the best debt solution for you. That's why your first step should always be to use our online Debt Remedy tool or call our Helpline.

Once we understand more about your debt problem we can suggest a plan of action tailored to you.

With over 20 years' experience of providing debt advice, we offer a range of services and solutions to suit every situation. You can see some of them on the right.

Help us learn more about your circumstances and we can advise on the debt solution that’s right for you.

"Thanks for your support and compassion" - Lesley, Merseyside

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Debt management plan (DMP)

With a StepChange Debt Charity DMP we can help you repay your debts by making one affordable payment each month. A DMP is flexible, so the amount you pay can change depending on your circumstances. This solution is available across the UK.

Key DMP facts:
  • Our DMPs are completely free. Every penny you send us goes towards paying off your debts
  • In our experience, most cases your creditors will stop interest and charges
  • We've helped people repay millions of pounds of debt on DMPs since 1993

Find out more about getting a DMP as well as the potential risks involved.

Individual voluntary arrangement (IVA)

An IVA is a legally-binding agreement which can help you pay back a reduced amount to settle your debts, usually over five or six years. At the end of this time your remaining debt is written off. This solution is available in England, Wales and Northern Ireland. 

Key IVA facts:
  • You make one affordable payment to us each month and we send this to your creditors
  • Our IVA fees are included in your monthly payment
  • Your creditors can no longer contact you

Find our more about our IVAs and how the various risks may affect you.

Debt relief order (DRO)

A DRO might be right for you if you owe less than £15,000, have a low income and very few assets. If we advise that a DRO is the best solution for you, StepChange Debt Charity can help you apply. This solution is available in England, Wales and Northern Ireland.

Key DRO facts:
  • You don't pay anything towards your debts for 12 months, after which your debts will be written off
  • You pay a one-off fee to the Insolvency Service
  • We can help and support you through the application process

Find out more about a DRO and the risks you must take into account.

Bankruptcy

Bankruptcy is a way of managing serious debt, particularly if you are unable to pay back the money you owe in a reasonable amount of time. This solution is available in England, Wales and Northern Ireland.

Key bankruptcy facts:
  • Bankruptcy gives you a fresh start. All of your unsecured debts are written off
  • You pay a one-off bankruptcy fee to the county court
  • Bankruptcy will normally last for 12 months and will appear on your credit file for 6 years

Find out more about bankruptcy and the risks you'll need to consider first.

Equity release

If you are a homeowner aged 55 or over, you could consider using equity release to unlock money from your home while you still live there. Equity release could allow you to release a tax-free cash lump sum for any purpose e.g. debt consolidation, home improvements or to supplement your income. This solution is available across the UK.

How StepChange Financial Solutions can help:
  • Free, unbiased, whole-of-market advice
  • Qualified equity release advisors with in-depth knowledge and experience
  • Impartial advice via salaried advisers. No sales targets, bonuses or commission
  • Telephone-based advice so no intrusive home visits

Find out more about equity release and the pros and cons of this particular solution.

Mortgages

Whether you're buying your first home, re-mortgaging for a better deal, or using your equity to manage debt or to support your retirement plans, StepChange Financial Solutions offers access to free mortgage and equity release advice you can trust. This solution is available across the UK.

How StepChange Financial Solutions can help:
  • Free, unbiased, whole-of-market advice
  • Qualified mortgage advisors with in-depth knowledge and experience
  • Impartial advice via salaried advisers. No sales targets, bonuses or commission
  • Telephone-based advice so no intrusive home visits

Find out more about mortgage advice.

Solutions available in Scotland only

Debt Arrangement Scheme (DAS)

Under the DAS you can set up a debt payment programme (DPP) to help you repay your debts over a realistic amount of time. 

Key DPP facts:
  • Your interest and charges are frozen and your creditors can’t take any further action while your DPP is in place
  • You make one affordable payment each week or month
  • We’ll set up and manage your DPP completely free of charge

Find out more about a DPP under the Debt Arrangement Scheme (DAS) and the various risks involved.

Minimal Assets Process (MAP)

MAP bankruptcy is a way of writing off debts you can’t afford to pay. MAP bankruptcy is now available as of 1 April 2015, replacing Low Income Low Assets (LILA) as a debt solution.

Key MAP facts:
  • To qualify you must owe between £1,500 and £17,000
  • To apply for MAP you need to pay a fee of £90
  • MAP will be logged on your credit file for 6 years

Find out more about minimal assets process (MAP) bankruptcy as well as the various pros and cons to be aware of.

Sequestration (Scottish bankruptcy)

Sequestration allows you to write off debt that would otherwise take many years to clear.

Key sequestration facts:
  • You must owe more than £1,500 to qualify for sequestration
  • You must be living in Scotland or have lived in Scotland within the past year
  • The fee for sequestration costs £200

Find out more about sequestration. and any potential risks to keep in mind.

Trust deed

A trust deed is a legally binding arrangement where you make reduced payments over the course of 4 years.

Key trust deed facts:
  • A trust deed will stop court action if diligence hasn't already started
  • You may have to sell any valuable assets (apart from one car worth less than £3,000)
  • A trust deed will be logged on your credit file for 6 years

Find out more about trust deeds and the risks to take into account.

Low Income Low Assets (LILA) bankruptcy

A LILA bankruptcy is a form of insolvency that may be suitable for people who are unable to repay their debts within a reasonable time. LILA bankruptcy has now been replaced by MAP bankruptcy. 

Key LILA facts:
  • You must have a low income to qualify for a LILA
  • You can own no more than £10,000 worth of assets. No single item can be worth more than £1,000
  • A LILA bankruptcy costs £200

Find out more about Low Income Low Asset Bankruptcy (LILA). as well as any risks you'll need to consider.


Other ways we can help you.

Debt advice

With almost 20 years' experience, you can trust that you're getting the best help so that you can deal with your debts.

Money advice

We can give you clear and practical tips on how to make your money go further, from creating a budget to saving money on your household bills.

Existing clients

If you're already a StepChange Debt Charity client, we're here when you need us.

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.