Our services and solutions
Debt solutions in Scotland
More ways to get help
Don't know where to start?
Answer a few questions, so we can find the best way to help
Got a debt question?
More about us
Debt in the UK
StepChange in Parliament
We work with parliamentarians on briefings, events & debt trends
The latest debt trends & analysis from our industry experts
Log back in to OnlineDMP to manage your DMP
Other ways to get in touch
Get debt help online now
Get free advice on how to deal with your debt online from the UK's leading debt charity
Have you received a 'persistent debt' letter?
If you're making minimum payments to your credit card, store card or catalogue account, we can help.
Just a small change to your monthly repayments could save you money.
If you are not sure you can afford to pay more, we can help you make a budget.
This helps you:
You can get free and confidential debt advice online now. We will recommend you the best way to deal with any debts and point you towards other support.
You can also get Breathing Space if you are eligible.
Breathing space stops the people you owe money to:
Once you create a budget, you know where you can save a little money.
Any savings can go towards repayments.
Read our guides to find out how to cut costs.
We have helped millions of people since 1993. Find out how.
"StepChange sorted out and put in place a debt repayment plan. Help and advice when you need it most."
Peter, Feefo Review
If you've created a budget, but are still concerned that you can't afford to increase your repayments, we can help.
Use our online debt tool to get free, personalised advice.