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).

Welcome to debt advice

You are about to start debt advice with StepChange

  • You share details of your finances and debts
  • We work out your budget
  • You get free, impartial debt advice

Find out more here about what information we collect about you and why, as well as who we share your personal data with.

Start now, and return at any time

There is no impact on your credit score

Once you have told us about your finances, we will work out your budget and give you your free, personalised debt advice.

If you cannot get hold of all the information right now, you can always save your progress and carry on later.

How do I get my debt details?

  • email icon
    Look through information you have been sent
    Check letters, emails, texts and any messages in apps
  • speech bubbles icon
    Ask your creditors
    They will be able to tell you what you owe at the moment
  • currency with arrows icon
    Get a free credit report online
    Go to Experian, Equifax, TransUnion or Credit Karma

Get started

If you are not sure of something, please do not guess, fill in what you can. You can save as you go and come back later.

We will then recommend ways to deal with your debt.

  1. Our advice is free and impartial – based on what is right for you
  2. Get started online with support where you need it from our expert advisors
  3. Do it at a time to suit you. You can pause and come back to it later
  4. We will help to set up your solution, if this is what you decide to do
  5. Getting debt advice will not affect your credit file, or impact your credit score

Find out what to expect from us and what we expect from you. Our remit and responsibilities.

How we help you

Watch our video to find out more about our free and flexible debt advice service.