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)

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.

Free online debt advice in 20 mins

Get help with Debt Remedy

Or call our expert debt advisors

0800 138 1111

8am to 8pm Monday to Friday, 8am to 4pm Saturday. Freephone inc. mobiles.

If you’re having problems making payments to debts

If you’re finding it difficult to make payments to your creditors, contact our helpline 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.

*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