We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).

We support you from start to finish

Our help does not end once you have chosen a debt solution. We are here with you every step of the way, for as long as you need us.

I am choosing a solution or starting to set one up

We are here to help you take your next steps. Read our guides on returning to your advice session, choosing a debt solution, and keeping your finances on track while you set it up.

Visit our help hub

Solutions with StepChange


Debt management plan (DMP) clients

We stay true to our promise to support you from start to finish. Find information to help you through your debt management plan, from your very first payment to getting ready for your review.


Token payment plan (TPP) clients

Your TPP may be temporary, but our support is not. Keep your token payment plan on track with our guides and tools.


Individual voluntary arrangement (IVA) clients

We are here for you throughout your IVA. Find support to keep you on track, from the meeting of creditors and making your first payment, to fees and yearly reviews.


Debt arrangement scheme (DAS) clients

Our expert advisors in Scotland are here to help you through your debt payment programme (DPP) from start to finish. Read our guides to find answers to questions you may have about DAS.


Solutions we can help you set up


Bankruptcy clients (England, Wales and Northern Ireland)

There is a lot of information to look at throughout bankruptcy, but you do not need to go through it alone. Read our guides for support if you have gone or are about to go bankrupt.


Debt relief order (DRO) clients

We can help you gather everything you need for your DRO application. Read our guides to the information you need to have ready, the rules and conditions, how a DRO may affect you, and more.


Scottish bankruptcy (sequestration) clients

It can feel like a lot of information to sort through, but we are here to help you apply for sequestration. Find out what you need to do next.

About Scottish bankruptcy

Minimal assets process (MAP) bankruptcy clients

From how it works to important information and conditions, we are here to help you apply for MAP bankruptcy. Find out what you need to do next.

About MAP bankruptcy

Protected trust deed (PTD) clients

We can help you gather all the information you will need to apply for a protected trust deed. Find out what you need to do next.

About protected trust deeds

Administration order clients

From keeping up with payments to asking for a review, we can help you understand more about how your administration order works. Read our handy guide.

About administration orders

Sample letters for creditors

From making complaints to asking for payment holidays and offering settlements. We have sample letters you can download and add or delete text where needed.

Sample letter library

Need more support?

You have taken a huge step by dealing with your debts. If there are other things in your life you would like support with, you can browse our list of experts who can help.

Find further support

How to stay motivated

We know it can be hard to keep a positive attitude when dealing with debt. You have already come so far, and we are here to support you however we can.

Read our motivation tips

"I can't thank StepChange enough!"

You are not alone. Our clients have shared the impact debt has had on them, and their journey out of it. They hope their stories help you too.

Read our reviews

While we hold your money, it is covered by the Financial Services Compensation Scheme (FSCS):

This means you can get compensation if we are unable to meet our financial obligations. You can find out more on the FSCS website www.fscs.org.uk