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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 a debt free future...


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.


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.


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.


Get debt help now >>

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

StepChange Debt Charity solutions. Practical ways to become 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.

"Knowing that I had you to support me made me feel much less anxious."


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.

Key DMP facts:
  • Our DMPs are completely free. Every penny you send us goes towards paying off your debts.
  • In 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 a DMP

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.

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

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.

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


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.

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

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.

How StepChange Equity Release 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

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. To apply for a DPP you need to live in Scotland.

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)

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...

"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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