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A DMP helps you repay your debt by making lower monthly payments. Available UK-wide.
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.
Free advice on equity release, and mortgage advice. Available UK-wide.
Called sequestration in Scotland, bankruptcy helps clear debt, but has serious implications.
If you have a low income & few assets, MAP could be an option. Available in Scotland.
A DAS debt payment programme helps you repay at an affordable rate. Available in Scotland.
Make lower payments for 4 years. The remainder can then be written off. Available in Scotland.
Understand what bailiffs can and can't do and your rights.
Find out what to do next if you receive a County Court judgment in the post.
It's important to consider all your options before consolidating debt.
Make sure you know your rights if you're contacted by debt collectors.
Some UK debt management companies charge a fee – our advice is always free.
If you're struggling to make your credit card payments, we can help.
If you've received a decree from a sheriff court, find out what to do next.
We provide expert debt help to people struggling with rent arrears or house repossession.
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Start to deal with your debt - sign up to our step-by-step support programme of videos, guides and tips.
We welcome the FCA’s focus on helping people out of persistent problem debt but more needs to be done.
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.
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.
How to get your credit report
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20 weird ways to make money
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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.
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»
“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 2018