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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Struggling to pay your bills?

We're here to support you with free advice on how to save money and manage debt

Get debt help now

Essex & Suffolk Living Water logo

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

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

Who are we?

We're the UK's leading debt charity. We offer the widest range of practical debt solutions of any provider in the UK. In 2017 we gave expert and confidential free debt advice to 620,000 people across the UK. We've helped 5 million people take back 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. We can do this by phone or by using our online debt advice tool.

We offer expert debt advice that's tailored to your individual situation. You decide what option is best for you, and we'll provide as much ongoing support as you need, for as long as you need.

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?

Helping you stay MoneyAware

Alongside this our StepChange MoneyAware team help people avoid debt, with practical advice and tips on saving money, budgeting and staying on top of bills.

MoneyAware is our dedicated debt-busting team of experts - Charley, Rachel, Peer, James, Rory and Jenny - bursting with knowledge about budgeting, the latest consumer news and all kinds of money-making and money-saving tips.

We've got the answers to all your money questions...and some you'd never think to ask. Here's some of our popular articles.

Saving money and budgeting

Ways to make money