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).

We can help you keep on top of your bills

northumbrian water logo

We can help if you are finding it hard to keep up with payments. We give free advice tailored to your situation. In partnership with Northumbrian Water.

Who are we?

We are the UK's leading debt charity. We offer more practical debt solutions than any provider in the UK.

Since 1993, we have helped over 7.5 million people take control of their debts and their lives.

What do we do?

We help thousands of people every week across the UK by taking an independent and non-judgemental look at your finances. The easiest way to get started is by using our online debt advice tool.

We offer expert debt advice tailored to your individual situation. You decide what option is best for you, and we give as much support as you need.

Why choose us?

Don't lie awake at night worrying about debts. Our clients tell us that they sleep for the first time after contacting us for advice.

With over 30 years' experience, you know you are getting the best advice. 

StepChange your way is flexible free debt advice that allows you to seamlessly switch between our online and telephone advice channels. So how does it work? We'll start by asking you some quick questions to understand how best we can support you. We'll capture the details of your debts and help you to create a realistic, sustainable budget by understanding how much you may be able to afford to repay towards your debts.

During the debt advice process, you can easily switch between channels, take a break and continue once you're ready. And online service is available to all seven so you can use it at a time that suits you.

When the debt advice process is complete, we'll recommend a suitable way forward for you, whether that's a debt solution or an alternative option based on your individual needs.

We'll support you through the solution set up process and provide you with the guidance you need to get your solution set up and ready to go.

We're here to support you. Start your debt advice journey today.

Our advice is free 
There are no hidden charges

We tailor our advice to you
We always look at your individual circumstances

Our advice is confidential and non-judgemental
We are here to support you, whatever the reasons for your debt problems

Three steps to debt advice

We work out your budget, income and total debts

We use this information to offer a solution that suits your situation

We set up your debt solution and offer support for as long as you need

Don't need debt advice now?

What do our clients say about us?

Couple sat on sofa

Karl, Yorkshire

"Thanks for help me...I was desperately worried. Now I can feel confident about the future again."