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).
Please be aware, during this difficult time there will be a delay in processing any paperwork you send us after your online debt advice session.
check icon Complete your advice session at your own pace
check iconAll advice is completely confidential
check iconThe recommendations we make are tailored to you

How does it work?

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1. Tell us about
your finances

Give us details of your debts, income and household spending.

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2. We work out
your budget

Now you'll have a clear picture of where your money goes.

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3. You get free 
debt advice

Read your personal action plan
for detailed and practical advice.

Frequently asked questions

Our online debt advice tool will give you advice based on your circumstances, including where you live in the UK, and recommend a solution. Common debt solutions include:

  • debt management plans (DMP)
  • individual voluntary arrangements (IVA)
  • bankruptcy
  • debt relief orders (DRO)

If you live in Scotland you may also be recommended a:

  • trust deed, or
  • debt payment plan via the Debt Arrangement Scheme (DAS)

Our advice is based on the following: If you can repay your debt in full over a reasonable period of time, we'll recommend a debt solution based on repayment over an insolvency solution. 

An insolvency solution may write off some or all of your debt, but it may also have a more detrimental impact on different areas of your life. This may include your chances of obtaining future credit or any assets such as your home or car.

We’ll advise you of your recommended solution, and also inform you of other solutions that are appropriate to your circumstances. This may include debt solutions that we cannot provide for you and where this is the case, we’ll inform you of other sources of information and help.

Our online debt advice tool offers the same expert advice as you would receive using our telephone service. We’ll help you to create a personal budget and take details of your debts. We’ll then use this information to work out your options. You’ll get a personal action plan explaining what to do next.

After you’ve completed online debt advice you'll get a personal action plan, giving you clear and practical advice about how to deal with your debts. We’ll also provide simple steps for you to follow to get things started. This will include instructions on how to deal with your creditors while you’re getting things set up.

If you're currently on an informal debt solution such as a debt management plan (DMP) with another provider then you’re welcome to use our debt advice tool.

If you currently have an individual voluntary arrangement (IVA) or trust deed we recommend you talk to your insolvency practitioner before getting debt advice. This is because you’ve signed up to a legally binding agreement. They’ll be able to review your situation if you can’t afford the monthly payments or talk you through your options if you think it’s no longer the right solution for you.

"Very supportive, friendly professional service, un-biased. I felt like I had a life again and had a huge weight lifted off my shoulders!"

Rebecca, Mid Glamorgan

"Words can hardly describe how great a service StepChange do, I feel like my life has improved so much thanks to the help they provide."

Richard, East Anglia