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).
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Debt Remedy, our online advice service

Free and confidential debt advice

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check icon Available on mobile, desktop and tablet devices
check iconUse it 24 hours a day, at a time that suits you
check iconFurther support is provided by phone and live chat
check iconRecommendations tailored to your circumstances

How does Debt Remedy work?

It's really simple. When you log in for online advice from Debt Remedy you’re asked a series of questions about your financial situation.

We ask you to tell us how much money you’ve got coming in each month, how much you need to spend on your essentials, who you owe money to and how much money you owe. Then we find out a bit more about whether you own a home or any other valuable assets, and if any other circumstances that might affect the advice we give you.

By answering these questions online through Debt Remedy, you provide us with all the information we need to recommend your next steps. We tell you about the debt solutions suitable to you and different ways to manage your money. And then you get your Debt Remedy Personal Action Plan which tells you what you need to do next to get started.

Our debt advice process

We provide debt advice online or by telephone. Whichever way you prefer to get in touch with us, we’ll:

  1. Help you work out your budget, income and debts
  2. Use this information to find a solution to your debt that suits your situation
  3. Help you set up your debt solution, and offer support however long it's needed

Take a tour of Debt Remedy

The history of Debt Remedy

In 1993, the Consumer Credit Counselling Service (CCCS), as StepChange was previously called, was launched. At that time all our advice was delivered face-to-face or by telephone. But there was rapid growth over the next decade, with a sharp increase in demand for online debt advice.

In 2006, so we could reach more people who needed our help, we launched Debt Remedy, the first online tool providing free, confidential debt advice 24/7. Now more than half our new clients get advice from us through Debt Remedy, using their Personal Action Plans to regain control of their finances.

How we’re helping more people through Debt Remedy

We are the UK’s leading debt charity and the number of people coming to us for debt advice increases every year. By 2022, it's estimated more than two million people will need debt advice every year.

The breadth of our advice and the support we offer has widened since CCCS launched. We have dedicated teams who manage a range of debt solutions. Although we’re best known for our debt management plans, we also offer specialised support with IVAs, Scotland’s debt arrangement scheme, and for the last ten years, debt relief orders. We also provide our clients with mortgage and equity release services and help making settlement offers to creditors.

And increasingly we’re contacted by people who don’t need help with problem debts, but who want budgeting advice from us. We can help them explain their circumstances to creditors and manage their money better to avoid future problems.

Because of these changing needs, we’re making improvements to Debt Remedy, so we can offer even more comprehensive online debt advice.

Woman using phone

Rebecca, Mid Glamorgan

"I felt like I had a life again and had a huge weight lifted off my shoulders."

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