Before we start, we need to ask you some quick questions to make sure our Debt Remedy tool can help you.
StepChange Debt Remedy uses technology which may cause problems for those with
visual impairment. If you are visually impaired and feel that you have a debt problem, please call us free
on 0 800 1 3 8 1 1 1 1. We're open
Monday to Friday 8am to 8pm, and
Saturday 8am to 4pm.
Do you live in the UK?
Are you a UK citizen?
Do you think you have a problem with debt?
Are you concerned that your finances are out of control?
Do you rely on using credit to cover living costs?
Is the amount that you owe increasing?
Have you recently been contacted by:
A debt collection agency?
The county court / sheriff court?
Are you or your partner self employed?
If you currently have an individual voluntary arrangement (IVA) or trust deed we recommend you
talk to your insolvency practitioner before using Debt Remedy.
This is because you’ve signed up to a legally binding agreement. They’ll be able to review your
situation if you can’t afford the monthly payments or talk you through your options if you think
it’s no longer the right solution for you.
If you're currently living abroad, but your debts were taken out in the UK, then we can still help you.
You just need to call our free Helpline on
+44 113 297 0126
and speak to one of our expert advisors.
We can only offer advice on debts that were taken out in the UK, as the action that can be taken and
the solutions available differ in every country. If your debts were taken out in a country outside the
UK you need to get in touch with an advice organisation in that country.
A debt collection agency is a company that specialises in buying debts that have fallen into arrears.
Most companies will sell a debt to a collection agency if you miss, or make reduced payments over a
number of months.
If you've been contacted by the County Court or a bailiff we'll provide you with an advice booklet to
help you deal with this.
We'll also give you some more general information in your personal action plan at the end of your
Debt Remedy session.