Debt advice from StepChange

If you are stressed about being chased for money you owe, it is time to get some help. By getting debt advice you will find out what options you have for dealing with your debt. There may be more ways than you are aware of.

The easiest way to get started is to use our online debt advice service - start anytime, day or night. We don’t judge you, we just want to help. Getting debt advice does not affect your credit file.

Alternatively, you can contact us on 0800 138 1111. Monday to Friday 8am to 8pm and Saturday 9am to 2pm.

What support you can get

StepChange can help you:

• Understand your financial situation and create a budget

• Get clear advice on your debt options

• Set up a plan to repay your debts at an affordable rate

• Explore solutions like debt relief orders (DROs), Individual Voluntary Arrangements (IVAs) or bankruptcy

• Find ways to increase your income or reduce costs

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.

If you've been made redundant and want to find out about what to do and how to protect your finances, visit our Redundancy and Debt webpage.

Why choose StepChange

• Free and confidential service

• Available online 24/7

• Flexible – start, pause and return when it suits you

• You prefer online and telephone support

• Regulated and trusted UK charity

• No judgement or pressure