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Not sure how to deal with your debts?

We're here to help with free, online debt advice available now.

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How to pay off debt

A surprisingly common question we’re asked is how to pay off my debts and make payments to creditors. Sometimes this isn’t as straightforward as it should be.

If you’re having problems making your normal monthly payments, we recommend you contact us for debt advice before you consider reducing your payments so we can help you work out if this is the right thing to do. We can also explain the risks, including the negative effect this will have on your credit file.

Need debt advice?

Free, online debt advice available now

Get debt help

If you’re having problems making payments to debts

If you’re finding it difficult to make payments to your creditors, contact us for advice. There are other ways to make payments which we’ve not listed here, and if you’re making very large payments, or payments to or from another country, these may not be the best methods.

If you’re in a position where you have to make reduced payments to your debts, this is a sign that you need debt advice.

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.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*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 2019