We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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Free debt advice: How do I deal with my debts?

Our expert advice helps you deal with your debts and get the support you need. You can get advice online or over the phone, and we'll recommend a range of practical debt solutions based on your situation.

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Gather up-to-date details about your finances, including your income, outgoings and debts.

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Use our online debt help tool get advice now. A session takes around 20 minutes to complete.

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Prefer to talk? Use our budget form before calling 0800 138 1111. A call takes around 40 minutes to complete.

Free advice to help deal with your debts

Our team of debt experts help over 500,000 people a year to deal with their debt problems. With over 20 years' experience, you can be confident that our advice is always based on what's best for you.

Our advice is free, impartial and confidential and we tailor our advice to your situation. We also provide a range of managed debt solutions and all the advice and support you need to help you deal with your debts.

Preparing for debt advice

What information do I need?

To make sure the advice and solutions we offer are tailored to your situation, we need to know more about your financial situation.

Our online debt advice tool guides you through everything we need in around 20 minutes. If you need more time you can save your progress and complete it later.

To get advice over the phone we'll need details of your income, outgoings and debts. We'd recommend using our budget form to get this information together before you call us.

Where can I find details of my debts?

If you know who you owe money to, you can contact creditors for up-to-date debt balances. If you're unsure, you can get a copy of your credit report from one of three credit reference agencies:

These are private companies that hold details about your debts and credit history. Most of these companies offer a free service or a trial, but you can also request a paper copy of your credit file for £2 each.

If your debts aren't on your credit file, there are other ways you can find out who you owe money to.

I need extra assistance. Can you help?

If you're struggling to complete your budget form or need extra assistance, please call us on 0800 138 1111 and our advisors will be able to help. If possible, have details about your income, outgoings and debts ready when you call.

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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