Debt advice in Wales

Wherever you live in Wales, StepChange Debt Charity is here to help you. Whether you’re struggling with your housing costs or falling behind with your debts, we provide personalised debt advice that is specifically tailored for you.

How we can help you

Whatever your situation, our expert advisors will be able to help. We’ll look at your individual circumstances, work out a manageable budget and provide you with specifically tailored advice that will help you deal with your debts and get you back on track.

Need debt help in Wales?

Worried about debts? Debt Remedy can give a solution in just 20 minutes.

Prefer to talk?

Call us on 0800 138 1111

Give us a call on our freephone number*.

Mon-Fri 8am-8pm; Sat 8am-4pm.

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Debt solutions

There are a variety of debt solutions available to help deal with your debts. Our experienced advisors will find exactly the right one to fit your situation. You can find out more about the solutions available below.

Debt management plan

A debt management plan (DMP) helps you to manage your debts and pay them off at a more affordable rate by making reduced monthly payments. DMPs from StepChange Debt Charity are fee-free.

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IVA

An individual voluntary arrangement (IVA) is a legally-binding agreement that allows you to repay your creditors a reduced amount from any surplus income you may have each month.

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Debt relief order

DROs are a way of writing off your unsecured debt if you have a low income and you owe less than £15,000. We are one of the few organisations that can submit a DRO application on your behalf.

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Bankruptcy advice

Bankruptcy can help rid you of debt that would otherwise take years to clear. But it has serious implications for your future and should never be undertaken lightly.

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Equity release

If you’re a homeowner aged 55 or over you could consider using equity release to unlock money from your home while you still live there.

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Who we are 

Our office on Cathedral Road in Cardiff has been up and running since 1997 and we help thousands of people every year. Our experts specialise in resolving personal and housing debt problems for the people of Wales.

Rydym ni yma I helpu chi (we are here to help you)… We have Welsh-speaking advisors who can conduct your debt advice session in Welsh.

Creditor action in Wales

Received a letter about your mortgage or rent arrears? Getting unpleasant phone calls from your credit card company?

Trying to work out what your creditors can and can’t do is often the most stressful part of being in debt. The important thing to remember is not to panic. Whether it’s a phone call or a letter from the court, we can help.

If you’re worried you can read our step by step guide on what your creditors can do, or have a look at the practical information on how to deal with mortgage and rent arrears in our housing section.