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).
StepChange Debt Charity logo

If you’re struggling with credit card debt and money worries we can help. As the UK’s leading debt charity, we provide free and confidential debt advice and solutions tailored to your circumstances.

Who are we?

We help over 620,000 people a year across the UK to get their lives back on track. If you seek our help we’ll give you a reference number. Contact Barclaycard with this and they’ll give you the time you need to get back on your feet. Your other creditors are likely to do the same.

Find out how we can help.

How we can help

For many people in debt, the first time they can sleep at night is when they’ve talked to us. If you’re lying awake worrying about your debts, we can help you. Let us take an in-depth look at your financial situation. From there, we can suggest a plan of action that works for you.

Our 60-second debt test will help you find out in seconds if you need debt help by answering some simple questions about your finances.

Use our confidential online advice tool Debt Remedy to put together a budget showing your income and spending. Within 20 minutes you’ll have a free personal action plan to deal with your debts.

Or, if you prefer, call our Helpline and our friendly advisors will suggest the best debt solution for you. All advice is confidential.

60-second debt check   1 min

Try our debt test now

FREE online debt advice   20 mins

Complete Debt Remedy


I don't need advice right now. Can I make a payment to Barclaycard?

You can catch up on your Barclaycard payments by making a payment online.

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Why choose us?

With 20 years’ experience, you can be confident that you’re getting the best possible advice.

  • Our advice is completely FREE. It’s based on what’s best for you, not what’s profitable for us.
  • Tailored adviceWhether you go to our online Debt Remedy tool or speak to one of our expert advisors, our advice will always be right for you.

What our clients say about us

"Thanks for helping me keep my home and happiness...I was desperately worried. Now I can feel confident about the future."
- Karl, Yorkshire

Read about the lives we've changed»



Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018