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*

Free debt advice. Expert help is at hand.

We deal with clients with a range of debt problems. Your first step should always be to get free expert debt advice, based on your personal circumstances. No matter what your debt problem, we’ll be able to help.

Over the last twenty years, we’ve helped more than two million people, many of whom have faced exactly the same kind of situation as you.

How can I get debt advice?

Our Debt Remedy online advice tool takes just 20 minutes to complete and will give you a debt solution tailored to your circumstances. It’s anonymous and free of charge.

Alternatively you can call our debt helpline and speak to one of our advisors. They will ask for any information that we need and we'll advise you on the best way to deal with your debts. If necessary, we'll arrange a follow-up phone appointment at a time that suits you.

What do I need to have ready?

To get the most out of Debt Remedy, or a call to our telephone debt helpline, it’s useful to have the following details to hand:

  • Details of all your debtsWe’ll gather details of your income, outgoings, unsecured debts and any assets you have.
  • Your incomeincluding any benefits or pensions.
  • Your household billsfor items such as food and utilities, with details of any missed payments.
  • Approximate values of assetslike your home or car.

To learn more about debt advice from StepChange Debt Charity, watch our video.



Debt Remedy tool FREE personal debt advice in 20 mins

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

  • Completely anonymous
  • Personal action plan

Get debt help now

Returning to Debt Remedy?

The Money Advice Service

Money Advice Service

For more information on free debt advice in the UK, contact the Money Advice Service.

Chat with an advisor now

Do you have any questions? Chat
Mon-Fri 8am-8pm, Sat 9am-2pm.

Why choose us?

With over 20 years’ experience, you can be confident that you’re getting the best possible advice.

  • Our advice is completely FREE. It’s based on what’s best for you, not what’s profitable for us.
  • Tailored advice.Whether you go to our online Debt Remedy tool or speak to one of our expert advisors, our advice will always be right for you.

Contact us

0800 138 1111 Freephone, including all major mobile networks*


Debt advice guide

Read our debt advice guide for practical help on tackling problem debt.

Download our debt advice guide

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.