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

0800 138 1111 Freephone (including all mobiles)

Worried about creditors?

Take 20 minutes to get online debt advice

Use Debt Remedy

 

What can my creditors do? Action to reclaim debt

If you fall behind with payments to your debts, your creditors are likely to take some action to get you to pay them back.

They’ll usually contact you by letter or phone, and in some cases they may visit you at home.

If you’re in a lot of arrears and you’ve not made some arrangement to pay them back your creditors might eventually start court action.

All of this can make you feel under pressure to pay money you can’t afford.

Take our 60-second debt test

Try our debt checker

Or call our expert debt advisors

0800 138 1111

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

What are your rights with creditors?

Knowing what your creditors can and can't do, understanding the process they use to collect debt, and most importantly understanding your rights, can help to get rid of a lot of worry and uncertainty.

This section provides all the information you need to know about what is likely to happen when you can't afford to pay your debts.

If you're concerned about your financial situation you can get free, personalised debt advice online or by calling our Helpline (free from all landlines and mobiles).

If you have a specific query that you need an answer to, please contact us and one of our debt advisors will be able to help you.

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