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Debt advice in Wales. All you need to know.

Wherever you live in Wales, StepChange Debt Charity is here to help you. Whether you’re struggling with your housing costs or falling behind with your debts, we provide personalised debt advice that is specifically tailored for you.

How we can help you

Whatever your situation, our expert advisors will be able to help. We’ll look at your individual circumstances, work out a manageable budget and provide you with specifically tailored advice that will help you deal with your debts and get you back on track.

We’ll take some initial details and book you an appointment with one of our specialist debt advisors. Don’t forget to let us know if you speak Welsh, so that we can make sure your appointment is booked with one of our Welsh-speaking debt advisors.

Or why not complete our online Debt Remedy tool, which gives you help with your debts in just 20 minutes. Our advice will be specifically tailored to your situation.

The stress and anxiety of not being able to pay your creditors is unbelievable. But with your wonderful charity’s help it seems we have been given a reprieve - Hear more from our clients

Debt solutions

There are a variety of debt solutions available to help deal with your debts. Our experienced advisors will find exactly the right one to fit your situation. You can find out more about the solutions available below.

Debt management plan (DMP)

Our DMPs are a completely FREE and available nationwide. You make one affordable monthly payment to us each month and we distribute this fairly to your creditors.

Our DMPs give you the peace of mind that every single penny you pay to us is going towards repaying your debt. To find out more about how our DMPs work visit our DMP page.

Individual voluntary arrangement (IVA)

IVAs are a legally binding arrangement between you and your creditors, where you repay your debts over a 5 or 6 year period. During this time you make one monthly payment and at the end of this time any remaining debt is written off. Our IVA company, StepChange Voluntary Arrangements, can set up, run and manage your IVA. Find out more about our IVAs.

Debt relief order (DRO)

DROs are a way of writing off your unsecured debt if you have a low income and you owe less than £20,000. We are one of the few organisations that can submit a DRO application on your behalf. Find out more about applying for a DRO.


Bankruptcy is a form of insolvency. Normally, it is only suitable if you can’t pay back your debts in a reasonable amount of time. Assets that you own, such as your car or house, will usually be sold to pay off your debts. This means if your assets are worth more than your debts, or if all of your regular payments are up to date and you can afford to keep paying them, bankruptcy isn't likely to be the best option for you.. Find out more about the criteria for bankruptcy.

Equity release

Equity release can help free up money that is tied up in your home so you can improve your financial situation, without the need to move. We have our own equity release advisors who can guide you through the process. Our equity release information will give you more details on how this works and whether you qualify.

Temporary repayment plan

If you cant afford to pay your creditors you may have to arrange a temporary repayment plan. This is where you make a small payment towards your debts as a token to show you’re willing to deal with your debt but can’t afford to pay them. This isn’t a long term solution, but to find out more you can read our information on temporary repayment plans.

Settlement offers

If you have a lump sum of money or an asset, for example a property, a car or savings, you may be able to use these to help clear your unsecured debt. You can find out more about this by reading our settlement offers information.

Debt consolidation

Debt consolidation is when you take out one large loan to repay all of the other debts you have. This can be a risky solution to your debt problem. If you're considering this option, please read our detailed information on debt consolidation.


This is when you get a new mortgage to give you extra money to repay your debts. Find out more about what you need to do before remortgaging.

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Who we are

Our office on Cathedral Road in Cardiff has been up and running since 1997 and we help thousands of people every year. Our experts specialise in resolving personal and housing debt problems for the people of Wales.

Rydym ni yma I helpu chi (we are here to help you)….We have Welsh-speaking advisors who can conduct your debt advice session in Welsh.

Creditor action in Wales

Received a letter about your mortgage or rent arrears? Getting unpleasant phone calls from your credit card company?

Trying to work out what your creditors can and can’t do is often the most stressful part of being in debt. The important thing to remember is not to panic. Whether it’s a phone call or a letter from the court, we can help.

If you’re worried you can read our step by step guide on what your creditors can do, or have a look at the practical information on how to deal with mortgage and rent arrears in our housing section.

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