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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Free online debt advice

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We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service website.

  • Expert debt advice in 20 mins from the UK’s leading debt charity
  • Completely confidential
  • Recommendations and solutions tailored to your situation
  • Support available via phone, email and livechat

How it works

Tell us about your finances

Give us details of your debts, income and household spending

We’ll help you create a budget

Get a clear picture of where your money goes

You’ll get free debt advice

Read your personal action plan for detailed and practical advice


Frequently asked questions

What debt solutions are available?

Debt Remedy will give you advice based on your circumstances and recommend a solution. Common debt solutions include debt management plans (DMP), individual voluntary arrangements (IVA), bankruptcy, debt relief orders (DRO) or, in Scotland, a trust deed or a debt payment plan via the Debt Arrangement Scheme (DAS), but we'll recommend the one that's right for you.

How do you decide what debt solution is right for me?

Our advice is based on the following: If you can repay your debt in full over a reasonable period of time, we'll recommend a debt solution based on repayment over an insolvency solution. An insolvency solution may write off some or all of your debt, but it may also have a more detrimental impact on your chances of obtaining future credit.

We’ll advise you of your recommended solution, and also inform you of other solutions that are appropriate to your circumstances. This may include debt solutions that we cannot provide for you and where this is the case, we’ll inform you of other sources of information and help.

How does Debt Remedy work?

Debt Remedy offers the same expert advice as you would receive using our telephone service. We’ll help you to create a personal budget and take details of your debts. We’ll then use this information to work out your options. You’ll get a personal action plan explaining what to do next. 

What happens after I’ve completed Debt Remedy?

After you’ve completed Debt Remedy we’ll give you clear and practical advice about how to deal with your debts. We’ll also provide simple steps for you to follow to get things started. This will include instructions on how to deal with your creditors while you’re getting things set up.

Can I get advice over the phone instead?

You can go through a full debt advice session by using Debt Remedy. However, if you'd prefer to receive advice over the phone you can call our Helpline.

What is Debt Remedy?

Watch our video to find out how to use Debt Remedy, what it does and why it could help you get back in control of your finances.

Have you already started?

Your help and guidance helped me through just like you were holding my handThe professionalism and guidance from your staff is superbYour sensitive, responsive and efficient service has been wonderfulAlways patient, professional and genuinely caring

Over 279,000 people used Debt Remedy last year to take control of their debts.

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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