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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i The advice on this page applies to anyone with personal debts taken out in the UK.

Debt management companies

Many UK debt management companies charge fees for their debt management plans.

Fee-charging debt management companies add their charges to the single monthly payment you make to them under the terms of your debt management plan (DMP).

A standard debt management plan from a fee-charging company could cost you an extra £4,000.

We do not charge any fees for our services. Unlike for-profit debt management companies, we will organise and administer your debt management plan at no cost to yourself and with no hidden fees, so everything you pay goes towards reducing your debts.

"Get in touch with StepChange, you'll wish you'd done it sooner" Rob, Wiltshire

Debt management companies – advertising rules

Any fee-charging debt management company in the UK promoting their services as free is breaking strict advertising rules introduced on 1st September 2010.

In the past, some organisations were guilty of misleading the public, claiming to offer "free" help and advice in their advertising, even though a typical plan from a fee-charging debt management company could cost around £5,000.

Debt management companies must also comply with rules and guidelines set by the Financial Conduct Authority.

The advertising code states that:

  • Debt management companies are not allowed to advertise a product or service as "free", "without charge" or similar if the consumer has to pay anything other than unavoidable charges, such as response and delivery costs.
  • Financial products must be presented in a way that can be easily understood by the audience, rather than take advantage of consumers’ inexperience.

Make sure you never pay for debt help. We provide free, impartial debt help and advice with no hidden charges.

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Has your debt management firm closed down?

In recent months, several debt management firms have closed, some because they’ve been unable to abide by rules set out by the Financial Conduct Authority (FCA).

If the debt management company you've chosen to help you with your debts has closed down, we can help. Visit our closed debt management company page for more information.

Who uses our help?

Being in debt is often caused by a change in financial circumstances, such as reduced income, losing a job, relationship problems and changes in employment status.

Our clients are from all walks of life and we offer debt help and advice to those on high incomes as well as those on low ones.

We're rated

4.8 out of 5
Read reviews of StepChange » Av. ratings for our service by DMP/DRO clients after 3 months.

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