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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Free online debt advice

Free, confidential debt advice from the UK's leading debt charity.

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check icon Start, pause and re-start as you need
check iconAll advice is completely confidential
check iconThe recommendations we make are tailored to you
check iconGet support by phone, email and live chat

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.

How do I prepare for online debt advice?

We recommend you collect details about your living costs and the amounts you're paying towards any arrears. It can help to prepare an 'income and expenditure' form (download spreadsheet) , but you don't need to do that - we will guide you through the process. You can pause and save your changes and come back any time if you don't have all the information you need to hand.

Find out more about getting help with your debts  

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.

You can go through a full debt advice session by using Debt Remedy. However, if you'd prefer to receive advice over the phone you can call our Helpline.

Beth, Devon

We help thousands of people every week

"The service has been amazing, I feel a massive weight off my mind." - Beth, Devon

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 2019