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're here to help you keep on top of your bills

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If you're struggling to keep up with your payments we're here to help, with free advice that's tailored to your circumstances. In partnership with Northumbrian Water.

Who are we?

We're the UK's leading debt charity providing free and confidential expert debt advice. In 2023 we gave free advice to 183,403 people across the UK. During the last 30 years we've helped 7.5 million people take back control of unmanageable debts - and their lives.

What do we do?

We help thousands of people like you each week by taking an independent and non-judgemental look at your finances. We provide advice that's tailored to your individual needs. Whichever option you choose to take, we'll provide ongoing support and practical advice every step of the way, for as long as you need us.

Why choose us?

Don't lie awake at night worrying about your debts. Our clients tell us that they sleep for the first time after contacting us for advice. With over 30 years' experience, you can be confident you'll get the best advice possible. 

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 completely free: And all our DMPs are fee free, meaning 100% of the money you pay goes towards your debts.
  •  Our advice is designed to help you: We put your interests first, whether you use our online tool or speak to our debt advisors

Three steps to debt advice

  1. We work out your budget, income and total debts
  2. We use this information to offer a solution to your debt that suits your situation
  3. We set up your debt solution, and offer support, for however long it's needed

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."