Our debt helpline gives free and impartial debt advice. As the UK’s leading debt help charity, we help hundreds of thousands of people every year.
Are you:
- Worried your debts are getting out of control?
- Finding it hard to make monthly payments on loans or credit cards?
Our debt advice and support can help you get your finances in order. We recommend different debt solutions based on your situation.
Call our debt helpline or get advice online
Have money worries and not sure where to start?
The easiest way to get started is online. It is free and available 24 hours a day, 7 days a week. Debt happens, let's deal with it together.
Or, you can call our debt helpline for free on 0800 138 1111. Monday to Friday 8am to 8pm, and Saturday 9am to 2pm.
What happens when I call StepChange?
- You tell us about your income and spending
- We work out your budget
- You get a 'personal action plan' with practical debt advice
You can trust our advice is in your best interests and we only recommend solutions that suit your situation.
We will let you know what we think you should do and what to do next. We are here for you as long as you need us.
Find out more about our debt advice
How do I get ready for a debt advice call?
You need some information about your monthly income and spending. It is important to be as accurate as you can be.
Your debts
Let us know:
- Who you owe money to, including account numbers
- How much you owe
Your income
Tell us how much you have coming in each month, including:
- Your wage
- Any benefits payments
- Pensions and tax credits
- Any other income you get
Your spending
Tell us how much you spend on bills and other costs, like:
- Rent or mortgage
- Utility bills, including council tax
- Travel
- Food and housekeeping
- Household services
- Living expenses
Can I contact you if I am hearing or speech impaired?
We are delighted that British Sign Language (BSL) users can get in touch with us using a BSL video interpreter. This is a service provided for us by SignSolutions, using InterpretersLive.
Use the BSL interpreter service