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).
StepChange Debt Charity logo

Free advice on problem debt
based on what's best for you

0800 138 1111 Freephone (including all mobiles)

i The advice on this page applies to anyone with personal debts taken out in the UK.

Our advisors want to help you get on with your life.

Meet one of them
 
This is about getting on with your life and taking one more step.

Don't be afraid of getting debt advice. We're here to help.

Lots of people get in touch with us on website forums, through our blog, or by email. They know they need debt advice but something stands in their way. It’s often fear of what they’ll have to face up to.

Dealing with things that scare you or you've possibly been putting off for some time can be difficult. Admitting there’s a problem, and that you need help with that problem, is harder still. You’ve taken a huge step in contacting us. Now we’re asking you to take one more.

We can tell you that we’re the UK’s leading debt charity. We can tell you that our service is free, confidential and impartial. We can tell you everything you need to know about how we work and what you can expect when you speak with us.

But when fear kicks in, these things may not matter.

Fear can convince you that you don’t need help, or that you can’t trust debt advice. It can fool you into believing that if you carry on ignoring the problem it will just disappear or get better by itself.

Our advisors know the effect of fear very well. They talk to thousands of people every week. People who are worried or upset, or doubt we can help them. People from all walks of life with all manner of debt problems. People like you.

Common fears that prevent people from contacting us

“What if you blame me for getting into debt?”

People find themselves in debt for all different kinds of reasons, such as redundancy, illness, a relationship breakdown or death of a loved one.

We’ll never judge you or blame you for the problems you’re dealing with. All we want to do is help get things back on track.

“What if you pressure me into a debt solution?”

We’ll never pressure you to do anything you’re not comfortable with. We’ll always tell you why we’ve recommended a certain solution for your situation and answer any questions you might have. We’ll also tell you about the other solutions that may be right for you, so you’re fully aware of your options.

“What if you tell my family or friends that I’m in debt?”

Many people we talk to worry that everyone will find out they’re in debt if they speak out about it. As our service is confidential, we’ll never tell your family members, friends or employer that you’ve been in touch with us.

“Speaking to you will make everything too real.”

We know that facing your debt problem isn’t easy. Few people enjoy dealing with something that causes so much stress and difficulty. However, we also know that ignoring your debt will make it worse in the long run.

Have you spoken to someone you trust about your debt problems, like a friend or family member? They can talk to our Helpline advisors on your behalf if this is easiest for you. Having that support from a person who knows what you’re up against could make all the difference.

Now that we've addressed some of the issues that may have been preventing you from reaching out to us, we hope you feel ready to take action on your debts. Don't let worry or fear prevent you from getting the advice you need and the support you deserve.

This is about you. This is about getting on with your life, and taking one more step.

Are you ready to get help?

You can deal with your debts at your own pace by using our online, anonymous advice tool Debt Remedy.

Alternatively, you can speak to one of our friendly advisors about your situation and possible debt solution over the telephone.

 

If you're not yet ready to take action on your debts, learn more about us first.

On our Reviews page you can read quotes from clients on how their situations have improved since contacting us.

On our Debt in Mind page you'll find out how debt advice could improve your wellbeing. 

On our MoneyAware blog we have true stories from people just like you who contacted us for advice. 

Read James' story

Read Rosie's story

Read Faye and Nick's story

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 2016