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).

Our debt helpline gives free and impartial debt advice. |As the UK’s leading debt help charity, we help hundreds of thousands of people every year.

We offer different solutions based on your situation.

Are you:

  • Worried your debts are getting out of control?
  • Finding it hard to make monthly payments on loans or credit cards?

Our debt advice and support can help you get your finances in order.

Call our debt helpline or get advice online

Use our free online debt advice tool to get help online.

  1. You tell us about your income and spending
  2. We work out your budget
  3. You get a "personal action plan" with practical debt advice

Or, you can call our debt helpline for free on 0800 138 1111.

  • Open 8am to 8pm, Monday to Friday
  • Open 9am to 2pm on Saturday

Calls may be monitored and recorded for quality and training purposes.

How do I get ready for a debt advice call?

You need some information about your monthly income and spending.


Have an idea about what you spend on:

  • Housing
  • Utility bills
    • Including council tax
  • Household services
  • Travel
  • Food and housekeeping
  • Living expenses


Tell us how much you have coming in each month.

This includes:

  • Wages
  • Benefits
  • Pensions
  • Tax credits


Let us know:

  • Who you owe money to
  • How much you owe

Find out more about our debt advice

Ashton on Feefo says:

"Helpful advice based on my circumstances."

"Website makes entering financial and personal details easy then suggests solutions to help.

"I always felt in control of my choices and each option is well explained. Any issues and the advisers on the phone are knowledgeable, friendly and non-judgemental.

"I now feel in control of my finances thanks to StepChange."

Get help like Ashton

Can I contact you if I am hearing or speech impaired?

Yes. You can contact us using the Next Generation Text Service (NGTS).

This lets you communicate using:

  • Your computer
  • A smartphone app
  • Through a telephone relay assistant

Visit the NGTS website to find out more.

Online debt advice

Our online debt advice service is:

  • Free
  • Confidential
  • Easy to use

It looks at your financial situation and suggests the best debt solution for you.

Our online advice is available 24 hours a day.

Get debt help now

Find out more about:

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"So thankful."

"Wasn't expecting it to be so accessible and easy to get help managing my debt. Absolute life savers!"

Josh, Feefo Review