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 9am to 4pm.


Do you live in the UK?
Are you a UK citizen?

Your debts:

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?
A bailiff?


Are you or your partner self employed?

Call the free phone number below to speak to one of our debt advisors. It's free and you still don't have to give your name.

Call Free* on 0800 138 1111

Phone us free of charge (including all mobiles) from Monday to Friday 8am to 8pm, and Saturday 9am to 4pm.

*Calls are free from BT landlines. Other networks and mobiles may vary.

What if I don't live in the UK?

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.

What's a debt collection agency?

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.