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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Don't let money worries keep you awake at night

If you're struggling to keep up with payments we're here to help with free, impartial debt advice that's tailor to your unique situation. In partnership with M&S Bank.

Who are we?

We're the UK's leading debt charity and every year we help over 600,000 people in the UK. We provide free and confidential expert debt advice. Since we began 25 years ago, we've helped over 5 million people to take back control of their finances - and their lives.

What do we do?

We offer the widest range of practical debt solutions in the UK. Every week we help thousands of people in the UK just like you, by taking an independent and non-judgemental look at their finances. We'll recommend your best options explaining any benefits and risks. You'll decide what option is best for you and we'll be here to support you every step of the way. 

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 25 years' experience, you can be confident you'll get the best advice possible. 

  •  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 suit 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 the sofa

Paul, West Yorkshire

"I've not had a sleepless night since contacting you."

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