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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We help you deal with your debt in a manageable way

What we do

Our team of debt experts help 620,000 people a year to deal with their debt problems. With 25 years' experience, you can be confident that we can provide the advice and support you need to achieve long-term financial control.

We offer free debt advice that is based on a comprehensive assessment of your situation. We'll then provide practical help and support for however long it’s needed.

In 2017 we helped


people with their debts

We have

25 years

of experience

In 2016 our clients repaid

£414 million

of debt


Our advice process

You can get debt advice from us online or over the phone. Either way we'll follow a simple, three-step process to deal with your debt:

  1. We’ll help you work out your budget, income and debts
  2. We’ll use this information to find a solution to your debt that suits your situation
  3. We’ll set up your debt solution, and offer support however long it's needed

How we're funded

We're only able to do what we do because we're funded almost entirely by voluntary donations from creditors, which include banks, the government and loan companies. With their financial support, our highly trained advisors provide free and impartial debt advice to thousands of people every week.

Whether it’s campaigning to prevent problem debt, offering advice, managing repayment plans or supporting people through a process leading to debt relief, it’s only possible thanks to the donations that we receive.

What we promise our clients

We'll work with you to resolve your debt problems. We don't make judgments on the causes of your debt problems, instead we'll work with you in a sympathetic and supportive manner.

We'll undertake an in-depth look at your financial position, discuss possible solutions and recommend a way forward.

If you can afford to repay your debts in a reasonable period of time, we'll recommend a repayment solution. If it's not possible for you to repay them in a reasonable amount of time, we'll recommend an insolvency option. If we support you with a long-term plan, we'll review your situation at least annually, to make sure your solution is still the right thing for you.

We'll never charge you for the advice we provide. We'll communicate with you in a clear, honest, accurate, regular and timely manner.

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 2018