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Already with us? Ongoing support now you've had debt advice

The help we provide doesn't end once you've chosen a debt solution. This section is your starting point for ongoing support, advice and information as you deal with your debt.

Now youve had our free debt advice...

The answers to many of the questions you'll have during your time with us can be found here. Dealing with debt can be confusing, and that's why you'll find a wealth of information and resources in this section to keep you on track until your debt solution ends, and beyond.


This section is packed with the answers to the questions our clients ask us most often. Select your debt solution from the list below to start.


We're only ever a phone call away. Get in touch with us if you can't find the information you need here.


We've got 100s of money-saving and budget-boosting articles on our MoneyAware blog, to help keep your finances on track while you're aiming to become debt free.

Have we recommended a debt solution for you?

Five questions we're asked every day

 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...

You told me to open a 'basic' bank account. How do I do this?

Keep your money safe - open a new basic bank account.

You told me to make reduced payments. What happens now?

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.

I've got a default notice. What do I need to do?

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.

I've got a letter from a collection agency. What does this mean?

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.

How do I stop a payday loan company taking money from my bank account?

Stop a payday loan company taking money from your account by cancelling your continuous payment authority (CPA).

Has your situation improved?

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.

Have you heard about MoneyAware?

Our MoneyAware team work tirelessly to provide you with:

  • The best in money saving tips
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Why not sign up to their monthly email? You'll get articles like:

Find out what else they’ve been talking about or meet the MoneyAware team.

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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