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).
StepChange Debt Charity logo

mum and son sitting on a sofa together

Get online debt advice

Use our online tool to get tailored debt advice in around 20 minutes.

Get debt help »

New to us?

Find out what information you need to gather before getting advice.

Start here »

Already with us?

Information, advice and how to get in touch if we’re already helping you.

Find out more »

» 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. 


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

Equity release

Free advice on equity release, and mortgage advice. Available UK-wide.


A form of insolvency that writes off some of your debt. Available England, Wales & NI. 

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 confidential
  • Personal action plan

Get debt help now

Returning to Debt Remedy?

Take control of your finances now

7 Days 7 Ways logo

Join over 11,000 people who have successfully completed our 7 Days, 7 Ways programme.

Locked Out: Debt and housing

man looking outside window at home

Our report looks at how our clients' problem debt affected their access to housing and the security, quality and affordability of their homes.

The 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?

Equity release calculator Find out how much equity you could release.

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


How to get your credit report
Get a full picture of your finances.

Can I pay my credit card off quicker?
Only paying the interest can keep you in persistent debt.

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

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

Partner with StepChange Debt Charity

A female colleague at her desk smiling

With the support of your organisation we can help more people struggling with debt to access free advice and solutions.

Find out more about becoming a partner with us

Money advice and tips by email

Sign up to our monthly email for the best budgeting advice and money-saving tips

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.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*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 2018