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StepChange Debt Charity logo

We know debt. Our practical approach transforms lives.

When debts get out of control, it's often difficult to know where to turn. That's why we're here to provide the expert and impartial advice that you need.

We are the UK's leading debt charity. Every year, we help thousands of people just like you overcome their debt problems. Through our telephone debt helpline, and online Debt Remedy tool, we provide free and effective debt advice, and practical solutions, to help transform the lives of those struggling with the stress and worry of problem debt.

Please scroll to the bottom of this page to learn more about how we're funded. 

Three simple steps to take control of your finances

Regardless of whether you're looking for debt help online or by phone, our simple debt advice process will ensure we find the right solution for you. Here's how we do it:

  1. Learn more about you: Either use Debt Remedy, our anonymous online advice tool, or call our telephone debt helpline and speak to one of our expert advisors. We’ll gather details of your income, outgoings, unsecured debts and any assets you have.
  2. Create a budget: We’ll agree a sustainable budget tailored to your situation. This will allow us to see what’s left each month to go towards your unsecured debts.
  3. Take action: We’ll provide you with tailored information and clear advice on the best debt solution for you. And we'll help you set it up.

How we're funded

As a charity, we're funded almost entirely by voluntary donations from creditors. With their financial support, our highly trained advisors provide free, impartial debt advice to thousands of people every week.

Whether it’s campaigning to prevent problem debt, offering advice, managing repayment plans or supporting people through a process leading to debt relief – it’s only possible thanks to the donations that we receive.

Need debt help now? FREE personal debt advice in 20 mins

Complete our Debt Remedy tool to get FREE individual debt help

  • Completely anonymous
  • Personal action plan

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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