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
mum at the table with bills

Struggling to keep up with payments on your credit cards?

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

Get debt help


Credit card debt

Writing off credit card debt. What are my options?

Some organisations claim to be able to write off your credit card debt for you. Be careful - these claims are misleading and could cost you even more money.

Beware of any firms claiming to be able to write off your credit card debt by using a legal loophole, and be particularly wary of anyone asking for upfront fees to do the job.

Need help with credit card debt?

Need debt advice?

Free, online debt advice available now

Get debt help

What does 'writing off' debts mean?

If you're struggling to pay your credit card debts, you may be looking for options to help you write them off, which usually refers to insolvency solutions such as:

England, Wales and Northern Ireland


While these insolvency measures will write off all, or some of your debts they may not be suitable for everyone.

There are drawbacks too – some insolvency measures require fees and there’s a risk of losing assets such as your house or car. All insolvency measures will have a serious effect on your credit file.

This is why it's important to get the right advice to when dealing with your debts, as not all solutions involve insolvency or writing off your debts.

Impartial credit card debt advice

If you're worried about your credit card debt, or looking for ways to write off debt, we recommend that you get in touch with us straight away. We'll look at your circumstances and work out the best debt solution for your situation.

We're the UK's leading debt charity; any debt advice we give is both expert and impartial. What's more, our services are absolutely free.

Our online debt advice service has helped many people deal with their debt, and it can help you.

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