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DESCRIPTION= StepChange is the UK’s leading debt charity. Get expert debt help and advice and fee-free debt management to help you tackle your debts.;
KEYWORDS= StepChange Debt Charity, debt advice, debt management, debt problems, debt consolidation;
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Text of the page (random words):
stepchange debt charity free expert debt help advice 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 skip to main content search close log in menu close get debt help now log in how we help how we help home our services and solutions free debt help advice breathing space debt management plan dmp individual voluntary arrangement iva debt relief order dro bankruptcy advice equity release advice mortgage advice debt solutions in scotland debt arrangement scheme das trust deed bankruptcy sequestration bankruptcy minimal asset process map more ways to get help online benefits calculator card repayment calculator debt consolidation calculator emergency help and support help with gas electricity bills money advice debt mental health support 7 days 7 ways email programme don t know where to start answer a few questions so we can find the best way to help get help now debt information debt information home got a debt question debt collection process types of debt solutions dealing with debt problems understanding debt borrowing budgeting money life changes popular searches debt consolidation credit card debt credit card persistent debt council tax arrears can i write off debt help with county court judgments bailiff help and advice benefits and tax credit debt missing payments and defaults notices about us about us home more about us what we do how we make a difference our history who we work with vision strategy working together partner with us jobs and careers campaigning for you governance press releases policy campaigns policy campaigns home debt in the uk our latest debt research our key policy campaigns consultation responses uk debt statistics stepchange in parliament we work with parliamentarians on briefings events debt trends our work in parliament the latest debt trends analysis from our industry experts read our medium com blog get involved clients clients home client support debt management plan dmp clients bankruptcy clients individual voluntary arrangement iva clients token payment plan tpp clients debt arrangement scheme das clients onlinedmp login log back in to onlinedmp to manage your dmp sign in contact us contact us home other ways to get in touch client support teams call our helpline use onlinedmp send us an email unhappy with our service media enquiries get debt help online now get free advice on how to deal with your debt online from the uk s leading debt charity start debt advice got money worries and not sure where to start the easiest way to get started is online it s free and available 24 hours a day 7 days a week debt happens let s deal with it together we can help you be free from debt we treat you as an individual we give you comprehensive support we re non profit and our advice is free 4 9 5 15 000 reviews start getting your finances back on track get debt help our debt advice is 100 impartial and confidential 4 9 5 15 000 reviews how we help you get debt advice we ll ask you about your current situation so we understand what help is right for you we ll give you a plan to deal with your debts you ll get tailored advice based on your circumstances take it at your own pace you can always take a break and come back later learn more about how we help the advisors were really friendly stepchange have helped me in an unbelievable way jamie stepchange won t judge you we re all human we all mess up but they are there to help and they won t judge you sarah stepchange are a lifesaver the debt management plan has given me peace of mind and helped with my mental health matt worried about mortgage payments or a fixed rate coming to an end together we can look at your situation and explain which options could be right for you read our homeowner debt guide what is debt advice we work out a budget with you give guidance and recommend the best debt solution for you watch our video click for sound 1 11 not sure where to start you can find what kind of help you need by answering a few quick questions it will only take two minutes find the right help a wide range of debt solutions and services whether it s to pay back what you owe with payments you can afford write off your debts or if all you need is some time and space to sort out your finances we have the solution debt management plan dmp individual voluntary arrangement iva debt relief order dro bankruptcy equity release debt arrangement scheme das sequestration bankruptcy map bankruptcy protected trust deed breathing space mortgage advice online debt calculators our advice is completely free and impartial we have 30 years experience more than 13 000 5 star feefo ratings we ve helped over 7 5 million people in the uk frequently asked questions i cannot pay my energy bills can you help me to avoid your supply being cut off we can work with you on a plan to pay back what you owe if there is no way for you to do that we will look at other ways to deal with your debts read our guide about gas and electricity bills can i write off debt sometimes you can do this it could be that it would take you a very long time to pay what you owe in this case you could apply for a solution that writes off some or all your debt but you must get debt advice before doing this in some cases the people you owe money to may choose to write off the debt it depends what you are dealing with find out if you can write off debt and how it works is debt consolidation right for me if you have a poor credit history you are more likely to be offered loans and credit to consolidate debt this could be because you have missed payments or have county court judgments ccjs these types of credit often have a higher rate of interest which must be paid because of this consolidation may not be the best option for you using a credit card or loan that could cost you a lot means you are at risk of more money problems in the future find out more about debt consolidation i urgently need help with money for food and bills can you help it may seem like there s no help but there is a range of support available trust funds credit unions councils energy companies the government and charities all offer ways to help and we can work with you on your budget so you can afford your bills we also work with partners who can give you more support where you need it find out how to get emergency help how do i make a budget making a budget is the first step towards taking control of your finances and getting back on track this helps you to see where your money is going and that makes it easier to make sure you have covered all the things you need to pay for when you come to us for debt advice we will work out your budget with you watch our video guide making a budget how do i deal with bailiffs chasing me for money i owe it s important to know what your rights when dealing with bailiffs or sheriff officers they should write to you before coming to your home if they visit you there are lots of rules about what bailiffs can and can t do a debt collector is not always a bailiff bailiffs have special legal powers to collect a debt find out how debt collection works what happens if i cannot pay my rent or mortgage if you don t deal with your rent arrears your landlord or letting agency could take steps to evict you but you can take steps to avoid this if you don t deal with mortgage arrears your lender could look into repossessing your home this will happen as a last resort you should work out how much you can afford to pay we can help you put together a budget to do this you then use this budget to offer to pay what you owe at a rate you can afford share your budget with the lender or landlord so they can see you are paying as much as you can you must keep to the new payment plan they have agreed to continue debt advice if you ve already started log back in to your online debt advice session log in to debt advice our debt solutions debt management plan dmp debt relief order dro individual voluntary arrangement bankruptcy advice bankruptcy sequestration minimal asset process map equity release debt arrangement scheme das protected trust deed mortgage advice guides and services breathing space collection process debt solutions dealing with debt types of debt money budgeting about us what we do get in touch jobs and careers partner with us media centre campaigning for you slavery statement complaints about this site legal privacy policy cookies policy accessibility our terms return to top foundation for credit counselling 123 albion street leeds ls2 8er 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 firm registration number 729047 we link to external websites where they contain relevant information for our visitors we re not responsible for the content of these websites or any infringement on your data rights under data protection regulations by any external website provider stepchange debt charity 2024
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