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).
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Need help with debt?
Got money worries and not sure where to start? The easiest way to get started is online. It's free and available 24 hours a day, 7 days a week. Debt happens, let's deal with it together.
Need to speak to our advisors?
Contact us on 0800 138 1111. Monday to Friday 8am to 8pm and Saturday 9am to 2pm
Already a client?
Find the right team for help with your debt solution:
I need to update and review my DMP or TPP
Log in to OnlineDMP to:
Update your debt details
Find out what you have paid so far
Review your budget
Update how much you pay each month
Change your debt balances
Let us know if a debt has been sold on
Call or email us to:
Reduce how much you pay for a while
Use a lump sum of money to pay off your debts
Discuss options if your DMP is not working for you
Email our Client Support team at client.service@stepchange.org
Speak to our Client Support team on 0300 303 5300 Open Monday to Friday 8am to 6pm
I need help setting up my DMP or TPP
Email us to set up your DMP or TPP
Email our Plan Activations team at activate@stepchange.org
Speak to our Plan Activations team on 0300 303 7037 Open Monday to Friday 8am to 6pm
We aim to reply to your email within 48 hours.
We can help you manage your IVA
Email our Voluntary Arrangements team at ip@stepchange.org
Get help setting up and managing your DPP
Things like:
Changes in your income
Dealing with the people you owe
Your annual review
Please send all information and questions by email:
Email our DAS team at das@stepchange.org
Speak to our DAS team on 0800 652 7491 We are open Monday to Friday 8am to 6pm
Get help with your application:
How to get supporting information
What to do if your circ*mstances change
Speak to our Scotland advice team on 0800 652 7491 We are open Monday to Friday 8am to 6pm
Get advice from our Financial Solutions team
Speak to our Financial Solutions team on 0808 1686 719 Open Monday to Friday 9am to 5pm
Get in touch with us through a British Sign Language interpreter
We are delighted that British Sign Language (BSL) users can get in touch with us using a BSL video interpreter. This is a service provided for us by SignSolutions, using InterpretersLive.
Click on the 'Connect now' button below to connect now to a BSL interpreter
Or choose to book ahead at a time that suits you
If you are using your mobile or a tablet, you might want to download the app.
StepChange does not cancel plans for one missed payment, especially when circ*mstances are outside your control, but other providers may. However, we may have to cancel a DMP if there are multiple missed payments.
StepChange does not cancel plans for one missed payment, especially when circ*mstances are outside your control, but other providers may. However, we may have to cancel a DMP if there are multiple missed payments.
Entering a debt management plan is free to clients if it's provided by StepChange Debt Charity. Other providers may charge a percentage of the money you pay to them.
Avoiding payment also means that creditors can sue you for unpaid bills. In some states, you could get your wages garnished or have your assets seized. You're still paying your outstanding debt even if you aren't making the payments directly.
Your debt will go to a collection agency. Debt collectors will contact you. Your credit history and score will be affected. Your debt will probably haunt you for years.
A credit counselor can help you. Credit counselors can help you make a budget. Credit counselors also can help you make a plan to repay your debts. Debt relief services companies might offer to help.
"Would recommend!! Amazing helped me immensely, especially with the cost of living going up and the financial pressure it put on myself and my family. I am budgeting and able to pay my debts less stressed and able to sleep better at night thank you."
A reputable credit counseling organization can give you advice on managing your money and debts, help you develop a budget, offer you free educational materials and workshops, and help you make a plan to repay your debt.
You may get a default notice or 'notice of default' if you miss or do not make agreed payments. This is recorded in your credit file and can affect your credit rating. An account defaults when you break the terms of your agreement.
If you miss a repayment, a $10 late fee may apply, and you won't be able to spend with StepPay until you have enough available funds in your repayment account. If late fees are applied, they are capped at: 1 late fee per instalment (there are 4 instalments per purchase) 2 late fees per purchase.
Your credit history starts to look better after your DMP. Information like missed payments or court action is removed after six years. If an account has defaulted, the debt is removed six years after the default.
When you cancel, the provider will tell your creditors, so they might start charging you interest and late payment fees again, as well as expecting you to resume higher payments. You'll also have to deal with your creditors yourself again. Think about how you're going to cope with this.
If the creditor doesn't want to deal with the DMP provider, they can still take action to recover the money you owe, which might include taking you to court. If this applies to you, ask the creditor why they're not willing to co-operate with the DMP.
Introduction: My name is Velia Krajcik, I am a handsome, clean, lucky, gleaming, magnificent, proud, glorious person who loves writing and wants to share my knowledge and understanding with you.
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Advice for homeowners
Advice for homeowners