How we can help you

There are many ways to resolve your debt problem and it can be confusing to know which way to turn. We have almost 20 years’ experience in advising on debt and provide personalised debt advice based on your individual circumstances.

Free, expert debt advice

Take that first important step and call our free Helpline, or use choose 'Get debt help now' and we’ll provide you with tailored debt advice to get your situation back on track. Whether you call us or go online our expert advice is completely free of charge.

Get online debt advice

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

Get debt help

Practical debt solutions

We’ll help you find out more about the different debt solutions available. You’ll also find practical tips, benefits and risks of each solution.

With almost 20 years' of experience helping people overcome debt we offer a range of services and solutions to suit every situation.

Debt management plan

With a StepChange Debt Charity DMP we can help you repay your debts by making one affordable payment each month. A DMP is flexible, so the amount you pay can change depending on your circumstances.

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IVA

An IVA is a legally binding agreement which can help you pay back a reduced amount to settle your debts, usually over five or six years. At the end of this time your remaining debt is written off.

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Debt relief order

A DRO might be right for you if you owe less than £20,000, have a low income and very few assets. If we advise that a DRO is the best solution for you, we can help you apply.

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Bankruptcy advice

Bankruptcy is a way of managing serious debt, particularly if you are unable to pay back the money you owe in a reasonable amount of time.

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Equity release

If you are a homeowner aged 55 or over, you could consider using equity release to unlock money from your home while you still live there. Equity release could allow you to release a tax-free cash lump sum for any purpose e.g. debt consolidation, home improvements or to supplement your income.

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Mortgages

Whether you're buying your first home, re-mortgaging for a better deal, or using your equity to manage debt or to support your retirement plans, StepChange Financial Solutions offers access to free mortgage and equity release advice you can trust.

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Solutions available in Scotland only

Debt arrangement scheme (DAS)

Under the Debt Arrangement Scheme (DAS) you can set up a debt payment programme (DPP) which helps you to repay your debts at a rate that’s affordable to you.

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Trust deed

A trust deed is a legally binding arrangement in Scotland where you make reduced payments over 4 years. At the end of this time, your unsecured debts are usually written off.

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Sequestration (Scottish bankruptcy)

Sequestration (Scottish bankruptcy) is a debt solution that can help you write off debt that would otherwise take many years to clear.

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Minimal assets process (MAP)

A minimal assets process (MAP) bankruptcy gives you a fresh start by writing off debts that you can’t repay within a reasonable time. It's aimed at people with a low income and not many assets.

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Money advice

We can give you clear and practical tips on how to make your money go further, from creating a budget to saving money on your household bills.

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Already a client?

Visit our existing clients section for lots of helpful information and answers to many questions you may have.

© StepChange Debt Charity 2017

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.