How does it work?
We look at your living costs and bills to see what money you have left over for debts. We will check this information with you.
You make regular payments to us, which we then share between the people you owe money to. We recommend a monthly direct debit, however there are other payment options. Please discuss these with us, if a direct debit is not suitable.
In your application, you can choose how much you want to pay toward your debts. However, your creditors will be able to see this and the amount you have left in your budget.
StepChange Debt Charity is an approved money adviser. This means we are authorised to set up DPPs. However, you can choose another money adviser to set up your DPP if you want.
By law, the people you owe money to must stop adding interest and charges when they receive your DPP proposal.
You do not pay any fees. The fees are paid by the people you owe money to. All of your repayment goes towards your debt.
Learn more about DPP fees.