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Looking for ways to deal with your debts

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

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Government debt advice and solutions

If you're worried about your debts, make sure you get expert debt advice from a trusted, impartial organisation. The best way of guaranteeing that the debt help you get is free and impartial is by getting in touch with a debt charity, like ourselves. Get in touch with us and we will help you by recommending solutions that are best for your circumstances.

Beware of debt companies advertising their services as 'government debt advice' - these claims are often misleading.

Government debt help and advice

Many fee-charging debt management companies use phrases like ‘government debt advice’ or ‘government debt help’ to advertise their products. Please don’t be misled by these types of claims.

By describing their services as ‘government debt advice’ these companies appear more reputable and may persuade you to take on a debt solution that isn’t the best option for you. You should always be wary of any debt company offering only one debt solution. It might not be the right one for you, and could make your debt situation worse, rather than better.

What are government debt solutions?

Many companies advertise using the phrase 'government debt solutions' which can make you believe that the company is linked to the government. This could make the debt solutions they offer sound more appealing, however they're usually referring to a range of formal insolvency solutions such as:

While each of these debt solutions were introduced by the government as a way to help people deal with their debts, the companies advertising them are usually fee-charging providers trying to seem more official.

Most types of insolvency have fees that must be paid and many companies charge additional fees for their advice. We believe you should never have to pay for debt advice, and we can help recommend debt solutions, including insolvency, based on what's right for you. 

Need help with your debts?

Need debt advice?

Free, online debt advice available now

Get debt help

Impartial debt help

As the UK’s leading debt charity, we offer free impartial debt advice. We look carefully at your particular circumstances and recommend only the most appropriate debt solution to your problem.

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