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Our strategy: Working towards a society free from problem debt.

As the debt landscape changes and client needs evolve, we plan to react to the emerging issues that people in financial difficulty face. Our three-year strategy (2015-17) builds both on our current strengths and anticipates a changing social and economic environment.

For over 20 years, we have been helping people in financial difficulty to become debt free. As we implement our three-year strategy, we aim to transform the futures of even more people in our society who are in, or at risk of, problem debt. With the support of our partners and stakeholders, we can make a difference to so many lives.

Our vision

We want to create a society free from problem debt.

Problem debt is not just an issue for individuals. It damages families and communities, and leads to wider social costs in excess of £8 billion each year.

By assisting individuals in debt, getting them back on their feet, and by campaigning for policies that aim to prevent problem debt, we will help to overcome the difficulties that debt creates for our society in the 21st century.

Our objectives

As the UK’s largest debt charity, with over 1,200 staff and with offices in England, Scotland, Wales and Northern Ireland, we are at the forefront of providing advice and solutions. Our core objectives are to:  

  • provide and create greater awareness of free debt advice and solutions
  • champion the cause of people who are in, or at risk of, problem debt by influencing public and private policymakers and campaigning for change
  • enhance people's financial understanding and capability so that they can better manage their money and debts, and recover from problem debt

Download our strategy now for the full picture. 

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Action Plan on Problem Debt

The consequences of debt - lost jobs, broken relationships, mental health and support needs - leads to social costs of £8.3 billion.

The Government has an opportunity to offer better help for people in debt, allowing them to get back on their feet and contributing to the economy again.

Read more

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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 2017