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).
Female advisor standing

Don't be afraid of getting debt advice

Our advisors want to help you get on with your life.

Get debt help now

We're here to help you take one more step

Lots of people get in touch with us on website forums, through our blog, or by email. They know they need debt advice but something stands in their way. It’s often fear of what they’ll have to face up to.

Dealing with things that scare you or you've possibly been putting off for some time can be difficult. Admitting there’s a problem, and that you need help with that problem, is harder still. You’ve taken a huge step in contacting us. Now we’re asking you to take one more.

We can tell you that we’re the UK’s leading debt charity. We can tell you that our service is free, confidential and impartial. We can tell you everything you need to know about how we work and what you can expect when you speak with us.

But when fear kicks in, these things may not matter.

Fear can convince you that you don’t need help, or that you can’t trust debt advice. It can fool you into believing that if you carry on ignoring the problem it will just disappear or get better by itself.

Our advisors know the effect of fear very well. They talk to thousands of people every week. People who are worried or upset, or doubt we can help them. People from all walks of life with all manner of debt problems. People like you.

StepChange, your wayGet debt help from StepChange, your way

An animation about our omni channel journey

At StepChange, we've been providing expert debt advice over the phone since 1993. We saw the potential for online debt advice early on and developed the first fully-online debt advice service over 15 years ago. Since then, it's helped over 1.6 million people clear their debts.

But what's next? Well, we know that the pandemic has supercharged digital adoption and that your customers expect responsive, professional, and caring support. So, let us introduce StepChange Your Way. StepChange Your Way is flexible, free debt advice that allows your customers to seamlessly switch between our online and telephone advice channels while only having to provide their information once.

So, how does it work? We'll start by asking your customers some quick questions to understand how best we can support them. If debt advice is right for them, we'll capture the details of their debts and help them create a realistic, sustainable budget by understanding how much they may be able to afford to repay towards their debts.

At any time during the debt advice journey, customers can easily switch between channels, take a break, and continue once they're ready. And our online service is available 24/7 too, so they can use it at a time that suits them. When the debt advice process is complete, we'll give them an advice recommendation, tailored to their personal needs.

We'll guide them through the solution setup process. Whether it's a supported solution, such as a Debt management plan, or an insolvency option, such as a Debt relief order, we're here to meet the needs of your customers. And during peak times, our systems can flex to cope with increased demand.

So, start referring today. StepChange, Your Way.

Ready to get help?

Use our free online debt advice tool and go at your own pace to get tailored advice and debt solutions.

Get debt help now

Common fears that prevent people from contacting us

People find themselves in debt for all different kinds of reasons, such as redundancy, illness, a relationship breakdown or death of a loved one.

We’ll never judge you or blame you for the problems you’re dealing with. All we want to do is help get things back on track.

We’ll never pressure you to do anything you’re not comfortable with. We’ll always tell you why we’ve recommended a certain solution for your situation and answer any questions you might have. We’ll also tell you about the other solutions that may be right for you, so you’re fully aware of your options.

Many people we talk to worry that everyone will find out they’re in debt if they speak out about it. As our service is confidential, we’ll never tell your family members, friends or employer that you’ve been in touch with us.

We know that facing your debt problem isn’t easy. Few people enjoy dealing with something that causes so much stress and difficulty. However, we also know that ignoring your debt will make it worse in the long run.

Have you spoken to someone you trust about your debt problems, like a friend or family member? They can talk to our Helpline advisors on your behalf if this is easiest for you. Having that support from a person who knows what you’re up against could make all the difference.

Find out more about us how we can help

The MoneyAware team

Inspirational true stories from MoneyAware

Smiling woman

What our clients say

"The service has been amazing, I feel a massive weight off my mind." - Beth, Devon

Now that we've addressed some of the issues that may have been preventing you from reaching out to us, we hope you feel ready to take action on your debts. Don't let worry or fear prevent you from getting the advice you need and the support you deserve.

This is about you. This is about getting on with your life, and taking one more step.