StepChange Debt Charity offers free, impartial, and confidential debt advice to anyone in the UK struggling with debt. With over 30 years of experience and having helped more than 7.5 million people, StepChange provides tailored support to help you get your finances back on track.
Our service is completely free and treats every client as an individual. We offer a wide range of solutions, including:
- Debt management plans (DMP)
- Individual voluntary arrangements (IVA)
- Debt relief orders (DRO)
- Bankruptcy advice
- Equity release advice
- Mortgage advice
- Specialist Scottish solutions (DAS, Trust Deed, Sequestration, MAP)
- Breathing Space
- Online debt calculators
- Emergency help and support
- Help with gas & electricity bills
- Money advice
- Debt & mental health support
Our advisors are friendly, non-judgmental, and dedicated to helping you find the best solution for your circumstances. You can access our support online or by phone, and take things at your own pace. We also provide guides and tools to help you budget, deal with creditors, and understand your options.
We help people all across the UK, including England, Scotland, Wales, and Northern Ireland. Whether you need help with energy bills, rent or mortgage arrears, bailiff action, or simply want to make a budget, StepChange is here for you.
Start your journey to financial freedom today:
- Get free online advice
- Call our Freephone helpline
- Use our calculators and guides
Our service is trusted by thousands, with a 4.9/5 rating from over 20,000 reviews. Take the first step and get debt help now.