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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By using our website you agree to abide by our terms and conditions

Our terms of use

These terms describe your responsibilities and obligations in using this StepChange Debt Charity website and StepChange Debt Remedy.

By using any of these facilities you agree to abide by these terms of use and the privacy notice and cookies policy.


The Site has been prepared in order to provide information. Whilst we make every effort to ensure the content is accurate, it is not a comprehensive statement of the law, or of the issues raised and should not be relied upon for that purpose.


In no event will FCC, its trustees, agents or employees be liable for any decisions made or action taken through relying on the information in this Site.

Health & Wellbeing

The Site provides you with a StepChange Debt Remedy recommendation tailored to your personal circumstances. StepChange Debt Remedy and our Wellbeing tool are not designed to treat depression, anxiety or other mental health disorders. Anyone seeking a diagnosis or treatment of anxiety, depression or other mental health disorders should seek the help of suitably qualified medical professionals.


You authorise us to accept and act on your instructions and the information provided by you through the facilities in this Site. You acknowledge that the information you provide will form the basis upon which we will advise you.


While we will make every effort to ensure that the Site is permanently available, we will not be liable for any failure to provide the services contained. This includes, in particular, any suspension of the Site resulting from maintenance and upgrades to our systems or those of any party used to provide the services.

Variation/Termination of the Service

We reserve the right to change the services provided from time to time and to terminate the Site and the services at our discretion.


Telephone calls and ‘online chats’ may be monitored and recorded for quality and training purposes.