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Debt in Mind

Many of our clients know how debt affected their stress levels. Once stress takes hold, it can quickly spread into other areas of life. We asked our clients how they felt before coming to us for debt advice. This is what they told us...

If you relate to any of the client quotes below, then please visit Debt in Mind to find out how to deal with your debt and the stress it can cause.

“Nobody likes to be in debt, but sometimes these things happen. When I had to get in touch with step change it was probably the lowest point of my life."

- John, Cumbria

worried young woman

"I suffer from depression and other mental illnesses which have been compounded further with stress due to debt."

- Orla, Northern Ireland

concerned lady

“To be in financial difficulties is traumatic enough, but to try and deal with the complexities of the paperwork is extremely daunting. "

- Glynis, Essex

"I was contemplating suicide as the pressure was too much."

- Jacqui, Dundee

"Alex: I think ending this whole taboo on #mentalhealth would be really beneficial for those affected. http://www.time-to-change.org.uk/pledge "


debt makes me cry at night

"The situation was getting more and more out of control, which hugely affected my personal life and nearly destroyed my family."

- Lora, Kent

worried man

“I can be found wide awake usually worrying. I dread to think where I would have been without your help support and intervention.”

- Peter, Hull

"I was at the point of no return...I had felt like I had been diagnosed with a rare illness with no cure."

- Gail, Hull 

"Before contacting the charity I was unable to sleeep and was fearful of the mail being delivered or a knock on the door."

- Catherine, Chesterfield

thinking man

“I was on the verge of complete ruin and was considering ending my life before I contacted you.”

- Amin, Surrey

"Anyone can experience a mental health problem, so talking about it is important. The little things can make a big difference. #TimetoTalk "


man at window

"Being in debt is an awful feeling, one of regret and shame."

- Mark, West Midlands

"I was suffering from anxiety because I felt I had no control over my finances."

- Lucy, London


"If anyone finds themselves staring at mountain of paperwork...feeling numb and helpless, the best phone call they could ever make is to StepChange."

- Elaine and Barry, Devon

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