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How we help you

  • You can get free, confidential and expert

debt advice online or over the phone

  • We’ll recommend the best debt solutions

 for your individual circumstances

  • We’ll support you while you deal with your

debt problems, for as long as you need our help

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the risk of problem debt and the harm it causes

Our debt solutions

We offer the widest range of debt solutions, to help you .

  • Debt management plan
  • Individual voluntary arrangement (IVA)
  • Debt relief order
  • Bankruptcy
  • Equity release
  • Debt Arrangement Scheme
  • Sequestration (Scottish bankruptcy)
  • MAP bankruptcy
  • Equity release

Step Change – Get Expert Debt Advice

Money is a very important commodity as it helps to quantify and measure the living standards of an individual. Some purchases like those of a car, home or any other asset require a big amount of money. Generally, people do not have the required amount at any given time. Hence, they choose to purchase it by taking a loan or through a credit card. However, such loans come with interest rates and have a fixed time period for repayment.If these payments are not made in time, the person can end up being in debt. Therefore, you can easily contact us at Step Change’s phone number [     ] to get professional debt advice.

What is Step Change?

At Step Change, we are a non-profit organisation that helps debt-ridden individuals to come out of debt. We offer professional debt advice and services to help manage your debt in the most effective way possible. Moreover, our services are completely free and are rated as one of the best debt counselling organizations in the UK. We offer a number of debt plans and services based on an individual’s financial position. Also, we are able to provide our services for free as creditors, banks and other financial institutions donate funds to us.Like us, they want their customers to overcome defaults in repayments and help manage their debts easily. As a result, both you and your creditor benefit from our Debt Counselling services.

What are Debts? 

A debt is any amount of money that you owe to an individual, organization or institution. Generally, this term is used for repayments done against a loan taken from a bank or creditor. Sometimes, such loans are prioritised and considered more important as opposed to others. However, individuals should only procure a loan if they are confident in repaying them. In case they fail to repay the loan amount, they will fall into debt. As a result, they can be charged extra interest or late fees. Therefore, individuals should seek professional help right away to prevent the debts from accumulating over time. Contact us at our Step change phone number to receive professional guidance on managing and repaying these debts. 

How to Prevent Debt: The Easy Way 

Incidentally, you can steer away from accumulating debts by following a few easy points. These have been explained in the following section. Thus, make sure that you go through them accordingly. This will help to keep your debt in check without letting it create a problem for you. 

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Your debt questions answered


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Plan your Budget 

The first step before making any form of purchase is to plan your budget accordingly. As a good rule of thumb, you should save at least 25-30% of the purchase amount with you. This way, you still will have enough money after spending it on a given purchase. Moreover, make sure that you have created a budget plan for the entire month. Also, ensure to include all the necessary expenses that occur normally. Thereafter, calculate your savings and spend within the given budget. 

Monitor your Spendings 

As the next step, keep a close look at your spendings in a given time period. This is important as you can be presented with an unplanned purchase or spendings without any warning. Therefore, you should limit your spendings to the amount you can afford while also being able to meet any unplanned expenses. 

Identify Unnecessary Expenses

Oftentimes, many people spend their money on expenses which they don’t really require. For instance, spending on liquor and cigarettes is costly and mostly unnecessary. By limiting these spendings among other things, an individual will be able to save a lot of money. Therefore, you should carefully identify and monitor your money’s inflow and outflow to prevent future problems. 

Recognize your Money Shortcomings 

Also, make sure that all your expenses are done in accordance with your daily, weekly or monthly income. Do not spend more than you can afford within a given time period. Recognize your money shortcomings by creating your budget based on your income. A detailed budgetary plan will help to prevent you from spending excess money over time. 

Seek Professional Help 

In case you run short on money, you should immediately communicate the same with your close ones. This includes your immediate family members or your spouse. Together, it can help you to make better decisions or draw out a better budget. Doing this early can prevent you from falling into debt. However, you should reach out to us if you are already in debt and are in need of expert advice. We are always available 24*7 so you can get in touch with Step Change through our phone number for free. 

How can Step Change help you?

Our main aim as a debt counselling agency is to help people get out of debt without any hassle. We understand how debt can take a toll on an individual and how stressful it can be. Hence, we ensure that this stress is elevated and the debt is handled in the best ways possible. Here are some of the ways in which we can help debt-ridden individuals. 

Free Debt Advice 

People can receive free debt advice by calling at our Step Change phone number. There are absolutely no charges and you can get quality advice to manage your debt effectively. We will assess your situation based on your debt and financial standards. Thereafter, we will provide the necessary steps to be undertaken for managing debt without falling further into it. 

Professional Debt Solutions 

In case you are already in debt, we can help you by providing professional debt solutions. These services are aimed at effectively managing your money inflow and outflow to repay debt efficiently. We will help you to get rid of unnecessary spendings and manage expenses to help repay your debt easily. If the amount of debt is greater than income, we have various plans to reduce the debt amount. We can also help to work out a helpful way to get out of debt. 

Friendly Support Service 

We provide the friendliest approach to avail our services. We fully understand your concern and you need to get rid of debt as soon as possible. Therefore, we will never judge you and try to help you in every way possible. You can be worry-free as our professionals will guide you through the processes and even represent you at times. Hence, we strongly strive to provide our customers with the best services that will ultimately benefit them. 

Trained Personnel 

All our staff members are trained to provide expert debt advice by carefully analyzing the debt situation. Hence, a debt solution may vary from person to person. It is advised only after analysing the financial position, amount of debt and other factors. Therefore, it is requested to be completely truthful with such pieces of information. It is also your responsibility to provide any other information that could affect your financial situation. 

We are always ready to provide you with the best debt solutions and advice. Hence, try to be as cooperative as you can be when you contact us at our Step Change phone number. 

Paths to Recovery: Understanding client outcomes 15 months after debt advice

           Our latest report focuses on the outcomes of clients at 15 months after debt advice.

“I thought I’d lose everything”

When Jamie lost his job he had to rely on credit

cards and loans to pay his bills. The stress put a

strain on his mental health, but he didn’t tell

anyone about his debt problem.

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Debt Solutions that we Aim to Provide 

Given below is the detailed list of Debt solutions provided by Step Change. You can contact us at our Step Change phone number to learn more about each of them. Our professional advisors will help to identify if it is the right choice for you or not. This will be determined by learning about your financial position and the amount of debt you owe. Thus, go through the following section to learn more about our Debt solutions. 

Debt Management Plan (DMP)

A Debt Management plan is the most effective way of repaying debts at an affordable rate. Moreover, we provide these services without charging any fees. Thus, we will contact the creditors on your behalf and work out a reduced repayment value to repay the debt. Accordingly, we will help you to manage your expenses and savings to make these payments on time. 

Temporary Repayment Plans 

A Temporary Repayment plan is helpful for those who are certain that their financial position is going to improve later. Therefore, we will draw out a plan accordingly and ask you to make a small payment to your creditors. Once received, they will not pursue you for any further payments. Accordingly, you will be provided with a certain time period to improve your financial standing. In case, it improves over time, you can start making repayments as before. 


However, if your financial position is still poor, we can help you to get rid of the debt under special terms and conditions. It is important to note that these will be reflected in your credit file as well. 

Individual Voluntary Arrangement (IVA)

In comparison to bankruptcy, Individual Voluntary Arrangement or IVA is a much viable choice. Here, the individual can pay a certain lump-sum or periodical repayments at reduced rates. Then, we will pool these into one unit and distribute them to the creditors accordingly. Hence, consult a professional by contacting Step Change phone number to learn if it is the right choice for you. 

Administration Order 

An Administration Order can be issued on your behalf for a reduced repayment amount towards your creditors. It is issued by the County court who can order creditors to take reduced repayment amounts after analyzing your financial position. Generally, the reduced amount is decided after factoring your essential living costs and priority debts. 

Debt Relief Order (DRO) 

A Debt Relief Order or DRO is another alternative option to insolvency or bankruptcy. Here, the individual is allowed to pay a reduced monthly amount for a fixed period of time. After the period has ended, the rest of the debt is written off. As a result, creditors cannot demand more than what was instructed by the order. 

Equity Release

Generally, Equity Release is granted for senior citizens or individuals who are retired. Hence, it is a viable option for those who do not have a steady source of income. With the help of this, any capital asset like a House is released in terms of its monetary value. Thereafter, the individual can receive a lump sum or in monthly payments to help pay their debts. In some cases, individuals can use it for other purposes as well. 

Debt Arrangement Scheme (DAS) 

Incidentally, a Debt Arrangement Scheme or a Debt Payment Program is only available for the citizens of Scotland. It allows an individual to make affordable monthly repayments towards the money they owe. Moreover, the interest rates are frozen as well. As a result, it helps to bring down the monthly repayments to a certain degree. After the period is over, all your debts will be considered to be paid in full. 

Debt Consolidation 

Debt Consolidation is a complicated process to repay a debt. It is the process of taking one loan to pay off another. The reason why it is so complicated is that it is heavily monitored and comes with certain risks. Moreover, there is a limit to the amount of debt consolidation that can be taken out for debt repayment. In some cases, it may not be approved unless it is done through a Debt Counselling agency. Therefore, it is absolutely necessary to contact the Step Change phone number to help you with the process. 

Minimal Asset Process (MAP) 

Similar to the Debt Arrangement Scheme, a Minimal Asset Process is only available in Scotland. With this debt solution, individuals can have their debt legally written off at the order of the Court. This is a viable option for those who do not have many assets and have very low income. 


At Step Change, we can provide these services completely free of cost. However, you do have to pay a fee of £90 to the court. Moreover, you can only apply for a MAP through a debt consultancy agency like ours. Hence, give us a call at Step Change phone number to ascertain if it is the right choice for you or not. We will take care of the application process and all the legal proceedings on your behalf. 

Mortgage Advice 

Apart from various Debt Solutions, we offer great advice on mortgages as well. Thus, you can call us at our Step Change phone number to learn about the different kinds of advice. We ensure that you will be able to pay off your mortgage within the given time period efficiently. You just have to tell us the details about your mortgage and your current financial position. After that, we will help you to work out a repayment schedule according to your affordability.  


Bankruptcy is the ultimate last alternative as a debt solution. After declaring bankruptcy, all the individual’s debts are written off and it is entered in the public register. Although it can provide a fresh start, it can greatly affect a user’s credibility. As a result, he will face higher interest rates if he chooses to take a loan in the future. There are other alternatives to bankruptcy as well. Hence, consult our professionals at Step Change phone number to decide the best option suited for you.


In Scotland, bankruptcy is known as Sequestration. There are a few ways in which it is different than the one mentioned above. Moreover, the rules for bankruptcy in Scotland are different as well. Similar to the former, the debts will be written off but your assets may be sold off too. This will be done to facilitate the repayment of such debts. Also, you can apply for Sequestration only through a Debt Counselling agency. 


Therefore, you can get in touch with us through our Step Change phone number to apply for Sequestration. However, it should be done if you feel that you have no other options left. It is important to note that both bankruptcy and sequestration can adversely affect your credit score in the future. 

Protected Trust Deed 

Again, a Protected Trust Deed is only available to the citizens of Scotland. Here, a formal agreement is drawn where you agree to pay a reduced monthly repayment amount to your creditors. This will continue for a period of 4 years after which the remaining debt will be written off. Similar to other debt solutions, you can avail this only through a debt advice agency. 


Thus, feel free to get in touch with us at our Step Change phone number to learn more about the application process. There are certain terms and conditions which need to be met before you can apply for a trust deed. 

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Contact us Right Now to Get Out of Debts Easily

We offer 24*7 debt counselling services to citizens across the UK. You can receive professional debt advice for free of cost. Simply contact us at Step Change phone number and you can get in touch with our expert debt advisors. You can always rely on us as we share the same goal as you. Thus, you can count on us to help you get out of debt in the most effective way. There are a lot of debt solutions that you can avail to help get rid of debt. These solutions vary on a case to case basis. As a result, we request you to be truthful with us about your financial standards

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