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. Freephone (including all mobiles).
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Free advice on problem debt
based on what's best for you

0800 138 1111 Freephone (including all mobiles)

Free debt advice

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Working with Macmillan

We want to help make money one less worry for people with cancer.

Find out more Macmillan

Payday loans: The next generation

What impact have FCA rules had on the payday loan industry?

Find out more Statistics Yearbook 2015

People we’ve helped

What do our clients say about us?

Read more People we've helped

Are payday loans still a problem?

Our latest report looks at changes in the payday loans industry since FCA rules were brought in last year.

» Our debt solutions

Debt management plan (DMP)

A DMP helps you repay your debt by making lower monthly payments. Available UK-wide.

Debt relief order (DRO)

A DRO could be an option if you have few assets & a low income. Available England, Wales & NI. 


With an IVA you pay a reduced amount over a fixed time period. Available England, Wales & NI. 

Equity release and mortgages

Free, whole-of-market advice on equity release and mortgages. Available UK-wide.


Called sequestration in Scotland, bankruptcy helps clear debt, but has serious implications.

Minimal assets process (MAP)

If you have a low income & few assets, MAP could be an option. Available in Scotland.

Debt arrangement scheme

A DAS debt payment programme helps you repay at an affordable rate. Available in Scotland.

Trust deed

Make lower payments for 4 years. The remainder can then be written off. Available in Scotland.

» Need debt help now?

Bailiffs at the door?

Understand what bailiffs can and can't do and your rights.

Received a CCJ?

Find out what to do next if you receive a County Court judgment in the post.

Thinking of debt consolidation?

It's important to consider all your options before consolidating debt.

Debt collection agencies

Make sure you know your rights if you're contacted by debt collectors.

Debt management companies

Some UK debt management companies charge a fee – our advice is always free.

Credit card debt problems?

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

Received a decree in the post?

If you've received a decree from a sheriff court, find out what to do next.

Mortgage or rent worries?

We provide expert debt help to people struggling with rent arrears or house repossession.

Debt Remedy tool FREE personal debt advice in 20 mins

  • Completely anonymous
  • Personal action plan

Get debt help now

Returning to Debt Remedy?

Take control of your finances in 2016

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Our response to the Autumn Statement

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The Autumn Statement was a missed opportunity to put in place measures needed to help people ‘just about managing’ and offer stability to those struggling with problem debt.

Money Advice Service logo

We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service website.

Our debt tools

60-second debt test Answer five simple questions and find out if you need debt advice.

Debt consolidation calculator Is debt consolidation right for you?

Payday loans calculator Find out how payday loan debts can quickly spiral.

Online benefits calculator Make sure you’re getting all the benefits you’re entitled to.


20 weird ways to make money
There are lots of ways to boost your income.

How I went from 36k in debt
Lisa put her debts behind her with our help.

101 ways to save money
How to keep more pennies in your pocket.

Visit our money management and budgeting blog for more tips and advice.

We're rated

4.9 Stars
4.9 out of 5
Read reviews of StepChange »

This is the average rating of our service by DMP and DRO clients three months into their solution.

Work with StepChange Debt Charity

Work with StepChange Debt Charity image

With the support of other organisations we can help more people struggling with debt problems to access free advice and solutions. Find out more about how you can work with us»

Money advice and tips by email

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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 Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016