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i The advice on this page applies to anyone with personal debts taken out in the UK.

Debt management companies

Many UK debt management companies charge fees for their debt management plans.

Fee-charging debt management companies add their charges to the single monthly payment you make to them under the terms of your debt management plan (DMP).

A standard debt management plan from a fee-charging company could cost you an extra £4,000.

We do not charge any fees for our services. Unlike for-profit debt management companies, we will organise and administer your debt management plan at no cost to yourself and with no hidden fees, so everything you pay goes towards reducing your debts.

"Get in touch with StepChange, you'll wish you'd done it sooner" Rob, Wiltshire

Debt management companies – advertising rules

Any fee-charging debt management company in the UK promoting their services as free is breaking strict advertising rules introduced on 1st September 2010.

In the past, some organisations were guilty of misleading the public, claiming to offer "free" help and advice in their advertising, even though a typical plan from a fee-charging debt management company could cost around £5,000.

Debt management companies must also comply with rules and guidelines set by the Financial Conduct Authority.

The advertising code states that:

  • Debt management companies are not allowed to advertise a product or service as "free", "without charge" or similar if the consumer has to pay anything other than unavoidable charges, such as response and delivery costs.
  • Financial products must be presented in a way that can be easily understood by the audience, rather than take advantage of consumers’ inexperience.

Make sure you never pay for debt help. We provide free, impartial debt help and advice with no hidden charges.

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0800 138 1111

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

Has your debt management firm closed down?

In recent months, several debt management firms have closed, some because they’ve been unable to abide by rules set out by the Financial Conduct Authority (FCA).

If the debt management company you've chosen to help you with your debts has closed down, we can help. Visit our closed debt management company page for more information.

Who uses our help?

Being in debt is often caused by a change in financial circumstances, such as reduced income, losing a job, relationship problems and changes in employment status.

Our clients are from all walks of life and we offer debt help and advice to those on high incomes as well as those on low ones.

We're rated

4.9 out of 5
Read our Feefo reviews » Av. ratings for our service by DMP/DRO clients after 3 months.