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

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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 from that's tailored to your circumstances. In partnership with Northumbrian Water

Who are we?

As the UK's leading debt charity we offer the widest range of practical debt solutions of any provider. In 2017 helped 620,000 people across the UK by giving them free and confidential debt advice. For 25 years we've been helping people take back control of their debts - and their lives.

What do we do?

We'll start by taking an independent and non-judgemental look at your finances. We do this for thousands of people every week across the UK. You can use our online debt advice tool or if you prefer, you can call our team of friendly debt advisors.

All our expert debt advice is tailored to your individual circumstances. Once you choose the option that's best for you, we'll continue to help by providing 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

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