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).

Welcome to debt advice

You are about to start your StepChange online debt advice session. At the end of this we will recommend a solution tailored to your situation, to help you deal with your debt.

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What will I need?

Your debt details

Who your debts are with, how much you owe and if you are behind on any payments

Your income details

Your wage, benefits payments you get and any other form of income you get

Your household spending

How much you spend on items
like food, heating
and clothes

Once you have told us about your finances, we will work out your budget and advise you. If you can’t get hold of all the information right now, don't worry. You can save your progress and return later.

How do I get my debt details?

  • Look through information you have been sent
    Check letters, emails, texts and any messages in apps
  • Ask your creditors
    They will be able to tell you what you owe at the moment
  • Get a free credit report online
    You can get these from Experian, Equifax or Credit Karma. But they may not always be up to date

Get started

You will be asked to enter details about your income, spending and debts. If you can’t get hold of all the information right now, please fill in what you can. You can save your progress and return later.

We will then recommend a solution to help your situation, along with all options.

  1. Our service is free and completely confidential
  2. Complete the process online or switch between online and phone
  3. Do it at a time to suit you. You can pause and come back to it later
  4. We will help to set up your solution
  5. Getting debt advice will not affect your credit file or involve a credit check

Find out what to expect from us and what we expect from you. Our remit and responsibilities.


Our debt advice is free, impartial, and will give you:


  • A clear view of your financial situation
  • Ways to stop creditors contacting you
  • A recommended solution to help

Get started

Get debt help from StepChange, your way

Our flexible, free debt service allows you to switch between online and telephone advice.



"I wished I had asked for help before I got in to so much debt, and was ill with stress. StepChange made me feel so comfortable."

Julia, Devonshire