Get help now
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).
Advisor at StepChange

How to contact us


There are different ways to get in touch depending on whether you're new to us, already with us, or on a debt solution. Here are the contact details you need...

If you'd like to know about our call costs, find out how much it costs to call us.

piggy bank

Get online help

Get online debt advice or help with persistent debt tailored to your situation. 

piggy bank

Prepare for your call

Before calling, gather the details we need using our budget form. Calls take around 40 minutes.


Prefer to email us?

Use our online form to get in touch with us. We'll get back to you as soon as possible.

 Get help now with webchat

Our webchat offers guidance and information to help you with general queries. Our support team is available Mon-Fri 8am to 8pm, Sat 9am to 2pm.
We recommend using this service on a desktop or tablet device.

Our contact numbers

New to us? Get expert debt advice

Need debt advice? Don't forget to use our budget form to gather information before calling. A debt advice call takes around 40 minutes to complete.

  •  0800 138 1111
  •  Monday to Friday 8am to 8pm, Saturday 8am to 4pm

Self-employed? We recommend you contact Business Debtline (England, Wales and Scotland) or Advice NI (Northern Ireland) for free and impartial advice service.

Received a ‘persistent debt’ letter? If you're up-to-date with payments towards your debts and household bills and have received a persistent debt letter from your creditor, we can help you.

Debt management plan (DMP) or token payment plan (TPP)

New plans: Get help setting up your DMP or TPP.

Ongoing plans: Support and review of your DMP or TPP. Visit our Clients section for more help during your DMP or TPP.

  •  0300 303 5300
  •  Monday to Friday 8am to 8pm, Saturday 9am to 5pm
Equity release & mortgages

Get advice on equity release and mortgages from our Financial Solutions team.

Debt Arrangement Scheme (DAS) debt payment programme (DPP) - Scottish clients only

Get help setting up your DPP and advice during your programme, including changes in your income, creditor support and annuals reviews.

Sequestration and MAP bankruptcy - Scottish clients only

Get help completing your sequestration or MAP bankruptcy application form, including evidence to support the application, or if your circumstances have changed. For Scottish clients only.

Want to settle your debts?

Contact us if you have a lump sum of money to pay towards your debts.

We'll contact you in the ways you ask us to when you've spoken to us. We never use WhatsApp or similar apps to get in touch, so if you see a message claiming to be us - it's not. If you receive anything suspicious, get in touch with us using the details above. How to stay safe online while you're getting our help.

We can only give advice and offer debt solutions to clients living in the UK in England, Wales, Scotland or Northern Ireland or clients from the UK living abroad on a short-term basis.

If you’re living abroad on a short term basis you must fit all of the following criteria for us to be able to advise you:

  • You’ve lived in the UK in the last 3 years
  • Your debts were incurred in the UK
  • You access your money from a UK bank account and/or you are returning to the UK within the next 12 months

If your situation fits all of these criteria then please call us on 0044 113 297 0126.

If you're hearing or speech impaired you can contact us using Relay UK. This replaces the older Type Talk service and lets you communicate using your computer, smartphone app or through a telephone relay assistant.

To find out more about how to use the service please visit the Relay UK website.