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).
Photo of a woman smiling

Download our free guide to dealing with debt in Scotland

Money worries? You are not alone. Our free, downloadable guide covers the debt collection process, budgeting, debt advice and more. It is available to download in four languages.

Download your guide to debt in Scotland

Click on the link to download the guide (PDF) in the language of your choice.

In English

Download now  

ਪੰਜਾਬੀ ਵਿੱਚ

In Punjabi

ਹੁਣੇ ਡਾਊਨਲੋਡ ਕਰੋ (Download now)  

W języku polskim

In Polish

Pobierz teraz (Download now)   

About StepChange Debt Charity Scotland

Our free advice

We help people across Scotland from our Glasgow head office. Our debt advice is free.

We are money advisors approved to manage Scottish debt solutions.

Our campaigns

We believe in a society free from problem debt.

  • We campaign for this on behalf of our clients
  • We share stories of living with debt to drive change

Read about our latest report on debt in Scotland: Scotland in the Red.

Speech bubbles

Josh on Feefo says:

"So thankful. I wasn't expecting it to be so accessible and easy to get help managing my debt. Absolute life savers!"

Get help like Josh

Need debt help?

Get free, confidential debt advice online. We will ask you about your financial situation and recommend solutions tailored to you.

Get started now

Campaigning for you

We campaign on behalf of our clients for a society free from problem debt. Read our latest report based on our clients’ experiences

Scotland in the Red

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Really helpful and understanding."

"Without being patronising. They explain the facts but never advise what you should do. You take control of your life. A life line for many!"

Sarah, Feefo review