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 StepChange debt advice

You're about to start your online debt advice session. At the end of the session we'll recommend a solution tailored to your situation, to help you deal with your debt.

What you need to get started


Your debt details

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


Your income details

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

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Your household spending

How much you typically spend on items like groceries, days out and unplanned repairs

Once you've told us about your finances, we'll work out your budget and debt advice tailored to your situation. If you can't get hold of all the information right now, you can save your progress and return later.

How do I get information about my debts?

  •  Look through past letters
    Look through letters you've received. Don't forget to check emails, SMS' and any in-app messages as well
  •  Ask your creditors
    This may seem scary, but your creditors should be able to give you an accurate balance
  •  Get a credit report
    You can get a free credit report online from providers like Experian, Equifax or Credit Karma. However, this may not be completely up-to-date