StepChange Debt Charity. Free Expert Debt Help & Advice (original) (raw)

"The advisors were really friendly"

"StepChange have helped me in an unbelievable way."Jamie

"StepChange won't judge you"

"We’re all human, we all mess up. But they are there to help and they won’t judge you."Sarah

"StepChange are a lifesaver"

"The debt management plan has given me peace of mind and helped with my mental health."Matt

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Worried about mortgage payments or a fixed rate coming to an end? Together, we can look at your situation and explain which options could be right for you. Read our homeowner debt guide.

What is debt advice?

We work out a budget with you, give guidance and recommend the best debt solution for you. Watch our video.

Not sure where to start?

You can find what kind of help you need by answering a few quick questions.

It will only take two minutes.

Frequently asked questions

To avoid your supply being cut off, we can work with you on a plan to pay back what you owe.
If there is no way for you to do that we will look at other ways to deal with your debts.Read our guide about gas and electricity bills.

Sometimes you can do this. It could be that it would take you a very long time to pay what you owe. In this case you could apply for a solution that writes off some or all your debt. But you must get debt advice before doing this.
In some cases, the people you owe money to may choose to write off the debt. It depends what you are dealing with.
Find out if you can write off debt and how it works.

If you have a poor credit history, you are more likely to be offered loans and credit to consolidate debt. This could be because you have missed payments or have County Court judgments (CCJs).
These types of credit often have a higher rate of interest which must be paid. Because of this, consolidation may not be the best option for you. Using a credit card or loan that could cost you a lot means you are at risk of more money problems in the future.
Find out more about debt consolidation.

It may seem like there’s no help. But there is a range of support available. Trust funds, credit unions, councils, energy companies, the government and charities all offer ways to help.
And we can work with you on your budget so you can afford your bills. We also work with partners who can give you more support where you need it.
Find out how to get emergency help.

Making a budget is the first step towards taking control of your finances and getting back on track.
This helps you to see where your money is going. And that makes it easier to make sure you have covered all the things you need to pay for. When you come to us for debt advice, we will work out your budget with you.
Watch our video guide: Making a budget.

If you don’t deal with your rent arrears: Your landlord or letting agency could take steps to evict you. But you can take steps to avoid this.
If you don’t deal with mortgage arrears: Your lender could look into repossessing your home. This will happen as a last resort.
You should work out how much you can afford to pay. We can help you put together a budget to do this. You then use this budget to offer to pay what you owe at a rate you can afford. Share your budget with the lender or landlord so they can see you are paying as much as you can. You must keep to the new payment plan they have agreed to.

Continue debt advice

If you've already started, log back in to your online debt advice session