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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How we help

Our team of debt experts help thousands of people every week to deal with their debt problems, and get their lives back on track.

Get debt help online now

We have 30 years’ experience providing free, expert debt advice. We’re the UK’s only full debt support service that gives you complete flexibility. You can complete the process entirely online or switch between our online and phone service as you choose.

No matter how large or small your debt problem is, we can help. When you come to us for debt help, we'll look at your financial situation, give you expert advice and recommend debt solutions to suit your situation.

We don't share information about you, or tell anyone we're helping you, unless you let us know that's okay.

3 steps to getting advice and a debt solution

Whether you get advice online or over the phone, you'll follow a straightforward advice process giving you a clear picture of how to deal with your debts.

1. Tell us your situation

Give us details about your debts, income and spending and we'll help you create a budget.

2. Explore your options

You'll get a personal action plan and recommended debt solutions that suit your situation.

3. Choose your debt solution

We’ll help you get things set up and give you the support to deal with your debts, however long it’s needed.

living costs iconWorried about rising food and energy prices? If the cost of food and heating is causing you concern, you're not alone. We can help you. Read our guides to coping with the rising cost of living.

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Our debt solutions and services

We offer a wide range of practical debt solutions and services to suit every situation. You can read more about them below.

StepChange, your wayGet debt help from StepChange, your way

At StepChange, we've been providing expert debt advice over the phone since 1993. We saw the potential for online debt advice early on and developed the first fully-online debt advice service over 15 years ago. Since then, it's helped over 1.6 million people clear their debts.

But what's next? Well, we know that the pandemic has supercharged digital adoption and that your customers expect responsive, professional, and caring support. So, let us introduce StepChange Your Way. StepChange Your Way is flexible, free debt advice that allows your customers to seamlessly switch between our online and telephone advice channels while only having to provide their information once.

So, how does it work? We'll start by asking your customers some quick questions to understand how best we can support them. If debt advice is right for them, we'll capture the details of their debts and help them create a realistic, sustainable budget by understanding how much they may be able to afford to repay towards their debts.

At any time during the debt advice journey, customers can easily switch between channels, take a break, and continue once they're ready. And our online service is available 24/7 too, so they can use it at a time that suits them. When the debt advice process is complete, we'll give them an advice recommendation, tailored to their personal needs.

We'll guide them through the solution setup process. Whether it's a supported solution, such as a Debt management plan, or an insolvency option, such as a Debt relief order, we're here to meet the needs of your customers. And during peak times, our systems can flex to cope with increased demand.

So, start referring today. StepChange, Your Way.

Frequently asked questions

If you get debt advice from us, we’ll take a look at your financial situation and recommend a debt solution based on your circumstances.

There are some solutions that write off debts, such as debt relief orders (DROs) and individual voluntary arrangements(IVAs) in England, Wales and Northern Ireland, or trust deeds in Scotland.

If you meet the criteria to apply for one of these solutions, we’ll support you through the application process.

It’s important to get free and impartial debt advice from us before going ahead with any debt solution.

Get debt help online now

We believe that nobody should pay for debt advice and have helped millions of people deal with their debt problems since 1993.

We’re a registered charity, authorised and regulated by the Financial Conduct Authority and our advice is free, confidential and impartial.

Getting advice from us won’t affect your credit rating, and you can do it anonymously if you prefer.

Ready to get help?

If you’ve been worrying about money, that’s usually a sign that you need some help.

If you tell us more about your financial situation, we may recommend solutions to help you write off or repay your debts. Or it may be you can get your finances back on track by following our money management guides and budgeting tips.

We will never share your information with anyone or pressurise you to go ahead with a debt solution.

It’s your choice, but we’re here to support you all the way.

Ready to find out how we can help you?

Read our wide range of debt information articles

Our debt information section has over 250 articles on the different types of debt, creditor action, budgeting, and ways to help you understand debt, including:

Other services we offer

We've got lots of practical budgeting and money advice on what you can do with your money including increasing your income, saving and how to keep in control of your finances.

Our debt calculators and tools

Find out what benefits you're entitled to, if debt consolidation is right for you and how much equity you can release from your home with our quick debt calculators.