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

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

0800 138 1111 Freephone (including all mobiles)

Housing debts

Whether you’re paying a mortgage or renting, it can be worrying not knowing if you’ll be able to stay in your home if you're struggling with housing costs.

This section will provide you with practical advice on how to avoid house repossession as well as what to expect if you fall into rent arrears or have difficulty paying your mortgage.

We understand that staying in your home is the absolute priority. So if you’re struggling with these costs the most important thing to do is talk to us. We’ll put a realistic budget together for you, advise you on how to deal with your mortgage lender or landlord and avoid eviction.

If you're facing eviction or repossession use our online Debt Remedy tool, as soon as possible. You’ll get expert advice on what steps you need to take to stay in your home. You can also contact our Helpline (freephone, including all mobiles) to talk to us about 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.

*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