Debt advice

Our expert advice helps you deal with your debts and get the support you need. You can get advice online or over the phone, and we'll recommend a range of practical debt solutions based on your situation.

Free advice to help deal with your debts

Our team of debt experts help over 600,000 people a year to deal with their debt problems. With 25 years' experience, you can be confident that our advice and solutions are always based on what's best for you.

Our advice is free, impartial and confidential and we tailor it to your situation. We provide a range of managed debt solutions and all the support you need to help you if you have debt.

Preparing for debt advice

What information do I need?

To make sure the advice and solutions we offer are tailored to your situation, we need to know more about your financial situation. Our online debt advice tool guides you through everything we need in around 20 minutes. If you need more time you can save your progress and complete it later.

To get advice over the phone we'll need details of your income, outgoings, living costs and debts. We'd recommend using our budget form to get this information together before you call us.

Where can I find details of my debts?

If you know who you owe money to, you can contact creditors for up-to-date debt balances. If you're unsure, you can get a copy of your credit report from one of three credit reference agencies:

If your debts aren't on your credit file, there are other ways you can find out who you owe money to.

Need extra assistance?

If you're struggling to complete your budget form or need extra assistance, please call us on 0800 138 1111 and our advisors will be able to help. If possible, have details about your income, outgoings, living costs and debts ready when you call.

I'm self-employed. Can you help?

If you’re self-employed and looking for help with your debts, please contact Business Debtline. They offer specialist help to the self-employed, including advice on tax implications, court proceedings and business liabilities. They’ll also be able to help with any personal debts.

Call them on 0800 197 6026. They’re open Monday to Friday 9am to 8pm.

Get online debt advice

Use our online tool to get tailored debt advice in around 20 minutes.

Get debt help

Why choose us?

  • UK's leading debt charity
  • Over 20 years' experience
  • Free, impartial advice & managed debt solutions

We're rated

4.8 Stars
4.8 out of 5
Read our reviews »

This is the average rating of our service by DMP and DRO clients three months into their solution.

Read more StepChange Debt Charity advice

Everything you need to know about debt

Our Debt Information section has lots of advice on what creditors can do, borrowing, and the different types of debts, including:

Our debt solutions

Find out more about the types of debt solutions we might recommend: