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What is an individual voluntary arrangement (IVA)? Learn how IVAs can help you deal with debt. Free advice from StepChange, the UK’s leading debt charity.

Our campaigns speak up for everyone affected by problem debt. This is how we campaign for change. StepChange Debt Charity – the leading UK debt charity.

Information about our governance framework, policies, trustees, executive team and the responsibilities of the Board. StepChange Debt Charity

Informed consultation responses from the UK’s leading debt advice charity. Insight from StepChange Debt Charity

Learn more about setting up protected trust deeds and making reduced payments on your debts with free advice and support from debt charity StepChange.

If you have a lump sum of money you have been given or inherited, you may be able to settle your debts. We help you and take the stress away. StepChange

Worried about money? Find out what benefits and support you can get to help you pay your bills and maximise your income. StepChange

Find out about jobs StepChange Debt Charity. We employ dedicated and skilled staff to offer debt advice and debt management to help people get debt free.

On an individual voluntary arrangement (IVA) with StepChange? Info on keeping up with payments, budgeting, assets and more. StepChange Debt Charity. Free debt...

Free advice on how to deal with sheriff officers - their powers, your rights and what they can and can't do. StepChange, the leading UK debt charity.

At StepChange, the UK’s leading debt advice charity, we offer free minimal assets process bankruptcy advice. Find out what it means to you and how to apply.

StepChange Debt Charity provide expert debt advice for free. Our debt advice and solutions help people to deal with their financial difficulties.

Bailiff rights and what they can and can't do. Can they force entry, what goods can they take? Expert advice from StepChange, the UK's leading debt charity.

At StepChange Debt Charity we're committed to ensuring that slavery and human trafficking is not taking place anywhere within our operations or supply chain.

You need to be aware of all of your options when dealing with debt. For free, impartial advice, get in touch with StepChange, the UK’s leading debt charity.

StepChange is the UK’s leading debt charity. Get expert debt help and advice and fee-free debt management to help you tackle your debts.

We've been helping people deal with their debt problems for 25 years. Find out about our history from starting as CCCS to becoming StepChange Debt Charity.

Free online debt advice. Take control of your finances with our confidential debt help tool and get a solution from StepChange, the UK’s leading debt charity.

Should I consolidate my debts through a consolidation loan? Free expert advice and managed debt solutions from StepChange, the leading UK debt charity.

Nov 6, 2023

Learn about the debt solutions that could help you get debt-free with free, expert advice and managed solutions from StepChange, the leading UK debt charity.

Accessibility. We're committed to ensuring everyone can access StepChange website content and online debt advice tools for free, confidential debt help.

Get in touch today for expert advice and support for all Scottish debt solutions, inc. DAS, bankruptcy and MAP. StepChange, the leading debt advice charity

Complaints process: At StepChange Debt Charity we're committed to providing the highest standard of customer care. We investigate all complaints reported.

A closer look at personal and household debt trends in the UK. Insights into the causes and consequences of problem debt from StepChange Debt Charity

Read our privacy policies to find out how we use your personal data. Our cookies policy lists all cookies used on our website. StepChange Debt Charity

Our free 60-second credit card repayment calculator can let you know if you’re in control of your credit card repayments, with StepChange Debt Charity.

How to make a budget plan - use free tools and templates to manage your money. Get free expert advice from StepChange, the leading UK debt charity.

You're in persistent debt if you make minimum payments on your credit card, store card or catalogue. Free advice on dealing letters from lenders. StepChange.

How to apply for bankruptcy. How long bankruptcy lasts, what are the rules of bankruptcy and are your home and assets at risk? StepChange Debt Charity

Resources for journalists about StepChange Debt Charity. Press releases and news about our campaigns on problem debt in the UK. Contact our media team.

How we advocate for those in problem debt, and campaigning for fairer lending practises and sustainable financial products. Policy work StepChange Debt Charity

Your TPP will help you make small affordable payments to your creditors until you get your situation back on track. Free TPP help - StepChange Debt Charity.

Worried about gambling or betting debts? Get free expert advice on managing your debts from StepChange Debt Charity - the leading UK debt help charity.

After your debt advice we’re here to support you until you’re debt free. Information on every stage of your debt solution. StepChange Debt Charity

A cash crisis can happen to anyone. At StepChange Debt Charity, we’ve got free advice and resources if you urgently need help. Get in touch with us today

Worried about debt collectors visiting your home? Get free, expert advice on enforcement agents and bailiffs from the UK's leading debt charity, StepChange

Had a CCJ or Northampton County Court claim letter? Use our guides to complete your N244 court form. Free advice on dealing with CCJs. StepChange Debt Charity

StepChange Debt Charity help thousands of people every day. Our clients tell us that our advice has changed their lives - read their stories.

Legal notices. Information about the use of StepChange Debt Charity website, our privacy and cookie policies, terms of use and company registration details.

Want to learn more about debt and how to manage it? Here at StepChange, the UK’s leading debt charity, we offer free, expert advice and debt management

How to get debt help. Find out how our debt advice works and the range of support and solutions available. Free, flexible advice from StepChange Debt Charity

With borrowing or credit, you have different options if you get into arrears or can't pay. Find out more for free with StepChange, the leading UK debt charity.

The latest research and reports on personal debt and household debt from the UK’s leading debt charity. Insight from the StepChange Debt Charity policy team.

Find out how equity release works, different options and how it can affect you. Homeowners advice from StepChange Debt Charity

At StepChange, the UK’s leading debt advice charity, we offer free sequestration advice and support. Find out what it means to you and how to apply.

StepChange Debt Charity. Our vision is a society free from problem debt. We give free and impartial debt help to change lives for the better.

A debt relief order can help you write off debts. We can help you find out if a DRO is right for you. Use our online tool to get started. StepChange

Find out what your options are if you are looking into mortgaging or remortgaging. Homeowner advice from StepChange Debt Charity

Partner with StepChange to help your customers & members deal with their money worries. About our services and free, expert advice. StepChange Debt Charity

StepChange Debt Charity provides free debt advice and help to manage your money. We are the largest UK debt charity helping millions deal with debts.

Can you deal with your debts with the debt payment programme (DDP), part of the debt arrangement scheme? Free advice, StepChange, the leading debt charity

Need help with council tax arrears or worried about payments? Expert advice on what to do & managed debt solutions. StepChange, the leading UK debt charity.

A week-long programme to master your finances, boost your income, stay on top of your most important bills and prepare for advice. StepChange Debt Charity

Debt Awareness Week 2026. This year's theme is debt stigma and how to overcome it. Taking place between 16-22 March 2026. Find out more. StepChange Debt Charity

Need help paying your gas or electricity bills? Get free expert advice on what to do and managed debt solutions from StepChange, the leading UK debt charity.

Have a debt management plan with StepChange? If you're a client log into OnlineDMP to access statements and check payments & balances. StepChange Debt Charity.

Who are DWP Debt Management and why are they contacting you? They collect debts for the Department for Work and Pensions, like benefits overpayments. StepChange

Legal terms and conditions for visitors to the StepChange Debt Charity website and users of our free, confidential online debt advice and management tools

Our recent press releases and press information for the press industry, editors and analysts

Industry-leading research and reports on personal debt and household debt from the UK’s leading debt charity. Insight from StepChange Debt Charity

For life changes, money advice and budgeting help, you can get free expert debt help and managed debt solutions from StepChange, the leading UK debt charity.

On a debt management plan (DMP) with StepChange? Get info on how to keep up with payments, budgeting, taking out debt on a DMP and creditors. Free advice.

Can I write off debts? Know your rights and learn what to do next. Expert debt advice and managed solutions from the UK's leading debt charity, StepChange

Am I entitled to benefits? Use our benefits calculator to find what you can claim. Expert advice from the UK's leading debt advice charity.

Our cookie policy explains how and why we use cookies. It includes a declaration of what cookies we use. You can also change your cookie consent.

The debt collection process - what creditors, debt collectors, courts and bailiffs can do. Free expert advice from StepChange, the leading UK debt charity.

StepChange Debt Charity. The largest UK debt charity providing free expert debt advice & debt management solutions. Contact our free debt helpline.

You are about to start your StepChange online debt advice session. At the end of the we will recommend ways to help you deal with your debt. StepChange

Worried about money? Answer a few quick questions to find out what financial help you need, from budgeting tips through to debt advice and solutions. StepChange

How can we reduce the causes and consequences of problem debt in the UK? Policy recommendations from sector experts in the StepChange Debt Charity policy team

What is Breathing Space? How can it help you deal with your debts and how can you apply? Find out what debts are included and what to do next. StepChange

Contact StepChange. Freephone debt helpline & 24hr online debt help. The leading UK debt advice & debt management charity.

StepChange Debt Charity (formerly CCCS) contact form | Leave a message or debt questions and we'll get back to you.

Worried about mortgage arrears and falling behind with repayments? Get free and impartial advice from the UK's leading debt advice charity, StepChange

Use our free debt consolidation calculator to find out if consolidation is right for you - get more free advice at StepChange, the leading UK debt charity.

How being in debt can affect your home, what to do if your mortgage term is ending. Learn about options to consider. Free advice, StepChange

Bankruptcy is a way of writing off your debts if you have no other way to pay them. It is a last resort option that offers you a fresh start. StepChange

What can you do if you can’t pay credit card bills or debts? StepChange, the UK’s leading debt charity, are here to help with free, expert advice.

Struggling with rent arrears? StepChange, the UK’s leading debt charity, can help with free, expert advice and managed debt solutions.

Debt and mental health conditions are often linked. We are here to help, alongside specialist organisations. Use our free tools and guides. StepChange

Scottish debt solutions. Debt Arrangement Scheme. Free debt advice for people living in Scotland. Is DAS or a DPP right for you? StepChange Debt Charity.

StepChange provides free debt management plans. Find out whether you’re eligible for a plan and how you can get one with the UK’s leading debt charity.

Making a budget can be a tough ask – at StepChange, the leading UK debt charity, we offer free advice on budgets and other aspects of money management.

Find out about some of the partners we've been working hand in hand with over the past 27 years to help people with debt problems. StepChange Debt Charity.