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Owing someone money. Dealing with debts to other people.

Borrowing money from a friend or family member can be a cheaper, easier alternative to more expensive lenders. However you should always consider whether or not you can afford to repay the debt and what consequences this might have on your relationship if you can’t afford to pay them.

Owing money to family or friends can become stressful if you can’t afford to repay it, as it could harm your relationship. You might not know where to turn to or how to deal with the debt.

Many people are also targeted by illegal loan sharks, who will often lend money to people in a desperate situation or who have poor credit. Loan sharks may start out friendly, but if you fall behind with repayments they’ll often resort to intimidation, threats or even violence to pressure you into repaying the debt.

If you’re finding it difficult to pay debts to family and friends or you’re worried about loan sharks, we can help. Get free debt advice and information on how to deal with your situation.

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