How we help

We help thousands of people each week to deal with their debt problems and get their lives back on track

Get debt help online now

We have been providing free, expert debt advice for 30 years. No matter the size of your debt, we can help.

Complete the whole debt advice process online without picking up the phone
We are here to take your call if you prefer to speak to someone

We will:

Look at what you need
Give you an action plan designed just for you
We do not share your information or tell anyone we are helping you - unless you ask us to

3 steps to getting help

We know you have a lot on your plate. We try to keep it simple.

1. Tell us you and your money

Tell us about your debts, income and spending to help you create a budget.

2. Explore your options

We use what you tell us to give you an action plan. This shows how you can deal with your finances.

3. Choose your debt solution

We help set up your solution and support you through the process.

Advice for homeowners

Are you a homeowner? Find out more about debt and your home.
Is your fixed rate mortgage ending? Read our guide to find out what your options are

Our debt solutions and services

We offer a wide range of debt solutions and services to suit different needs. Read more about them below.

Debt management plan (DMP)

Pay what you owe at a rate you can afford.

Find out more about our DMPs

Debt relief order (DRO)

Write off debts if you have few assets and a low income.

See if a DRO is right for you

Individual voluntary arrangement (IVA)

Pay a reduced amount over a fixed period of time.

Find out more about an IVA

Breathing Space scheme

Take up to 60 days to focus on getting a debt solution without being chased for money. Not in Scotland.

Find out if you can get Breathing Space

Bankruptcy advice

Bankruptcy clears unmanageable debts. England, Wales and Northern Ireland only.

Get free bankruptcy advice

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Scottish bankruptcy (Sequestration)

Full administration bankruptcy, or sequestration. This writes off debts you can't repay in a reasonable time.

Find out about Bankruptcy in Scotland

Woman relaxing on her sofa on her smartphone

Minimal asset process (MAP)

Scotland only. A type of bankruptcy for people with low incomes and not many assets.

Find out more about MAP bankruptcy

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Equity release

Free up money in your home. For people aged 55+ only.

Free equity release advice

Debt Arrangement Scheme (DAS)

Scotland only. A debt payment programme helps you make affordable payments to your debts.

Find out more about DAS

Man in his twenties at home on the sofa on his laptop

Protected trust deed (PTD)

Scotland only. Make reduced payments over a fixed time.

Find out more about trust deeds

Token payment plan (TPP)

Make reduced payments for a short time.

Find out how a TPP can help

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Mortgage advice

Specialist advice, including remortgaging, and interest-only maturity options.

Get mortgage advice

Get debt help from StepChange, your way

Read the transcript

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.