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All of our clients are individuals, all with their own concerns and questions. However there are five questions we get asked more than any others...
Keep your money safe - open a new basic bank account.
You need to use your budget and list of creditors (pages 4 and 5 of your personal action plan) and the example letter (in the resources section of your personal action plan) to offer reduced payments to your creditors.
Your creditors will contact you when you're make reduced payments to them. It doesn't matter whether you're making payments yourself or you've got a plan with us.
You'll get one of these from each of your creditors at some point. Find out what you need to do with your default notices.
If you’ve received a letter from a company you’ve not previously been in touch with it can be worrying. Find out what to do if you get a letter from a debt collection agency.
A lot of people get mixed up between a debt collector and a bailiff. Put your mind at rest with the differences between a debt collector and a bailiff.
Stop a payday loan company taking money from your account by cancelling your continuous payment authority (CPA).
No matter how small the success, it's brilliant news!
Write a quick review and inspire people who are thinking about taking the first steps to becoming debt free.
If we previously told you that you had no money to repay your debts but your situation has improved since then, this could change the advice we originally gave you. Examples of things that can change include a reduction in your spending or an increase in the amount you're earning.
Use our budget improvement checker to see where you stand now that your finances have improved.
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On a long-term solution? Click below for even more help and advice:
Debt management plan (DMP)
Individual voluntary arrangement (IVA)
Debt relief order (DRO)
Token payment plan (TPP)
Scottish debt payment programme
Claim extra benefits - every year people in the UK miss out on £10 billion. Make sure you're getting everything you're entitled to.
Reduce your fuel bills: with energy prices on the increase check you're getting the best deal on your gas and electricity.
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“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 2016