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

Debt consolidation

Government debt consolidation

In the past, some debt management companies advertised in a way that suggested they were a free advice agency or charity, or that they were endorsed by the Government.

These companies used phrases like ‘Government debt consolidation’ or ‘Government debt advice’ to fool people into using their services. In reality these companies charged a fee to provide debt management services that are available free from charities like us.

This was very misleading, and the Financial Conduct Authority (FCA) took action against some companies to stop this type of advertising. The FCA who regulate the debt advice sector has continued to bring these types of companies to account.

Hopefully this means you won’t see any more fee-charging companies advertising debt consolidation in this way.

Who are we?

  • UK's leading debt charity
  • Over 20 years' experience
  • Free, impartial advice & managed debt solutions

How we help

If you have problems with your debt, you should get free, impartial debt advice from a a well-established debt charity like us. Our advice is free and we make sure we recommend the best debt solution for your individual situation.

Need debt help?

Try Debt Remedy

Free online debt advice in 20 mins

Get debt help