Return to Debt Remedy | OnlineDMP Login Free advice on problem debt based on what's best for you Request a call back » Or call us on 0800 138 1111 Mon-Fri 8am-8pm, Sat 8am-4pm Home How we can help you Debt information and advice About us Contact us Go Free debt advice Get free debt advice and your personal action plan now. + Get online debt help Take control of debt and stress Don't let debt make you a shadow of your former self + Find out more Debt statistics 2014 Take a look at our latest Statistics Yearbook, based on information from 2.8m of our clients + Find out more People we've helped Read what some of our clients have to say about us. Their words are even more meaningful than ours. + See what they have to say Take the first step - get free online debt help now Tools to help you manage debt-related stress Read our latest research into problem debt in the UK Read what our clients say about the help we provide Our debt solutions Debt management plan A debt management plan (DMP) helps manage your debts and pay them off at a more affordable rate by making reduced monthly payments. Bankruptcy advice Bankruptcy helps rid you of debt that would otherwise take years to clear - but it's a serious step and should never be undertaken lightly. IVA An individual voluntary arrangement (IVA) is a legal agreement allowing you to repay a reduced amount from any surplus monthly income. Debt relief order A debt relief order (DRO) is a way to have your debts written off if you owe less than a fixed amount and have few assets. Equity release and mortgages Our StepChange Financial Solutions team give free, whole-of-market advice you can trust on equity release and mortgages. Debt solutions in Scotland In Scotland we can help you deal with your debts under the Debt Arrangement Scheme (DAS), and help with other solutions such as sequestration. Need debt advice now? Considering a payday loan? These may feel like a quick solution, but they won't solve your debt problem. Thinking of debt consolidation? This may seem like a good solution to your debt problem - but there can be disadvantages. Credit card debt problems? If you're struggling to make your payments, we can help. Debt collection agencies Make sure you know your rights. Debt management companies Many UK debt management companies charge fees for their DMPs - but ours are completely free. Bailiffs at the door? Understand what bailiffs can and cannot do. Received a CCJ? Find out about your rights and what to do next. Worried about housing debts? We can provide expert help to people struggling with rent arrears or house repossession. Debt Remedy tool FREE personal debt advice in 20 mins Complete our Debt Remedy tool to get FREE individual debt help now Completely anonymous Personal action plan Get debt help now Returning to Debt Remedy? Help you can trust We're the UK's leading debt advice charity, and we've been helping people break free from problem debt for 20 years. Rated 4.9 Read more reviews Our events – Labour and Conservative Party Conferences We're holding events focusing on the welfare system at the Labour and Conservative party conferences this autumn. Find out more about the events. Follow us Twitter Facebook Youtube Google plus LinkedIn Tweets by @moneyaware People we've helped Messages we've received Read more "You threw me a lifeline and I will never be able to thank you enough." - Marina, Swansea "A huge weight has been lifted off my shoulders which I've had for many years." - Michelle, Hertfordshire "There wasn't a question or query that couldn't be answered or solved." - Julie, Cheshire "What wonderful people you are. I feel so much better with that debt off my back." - Jeffrey, Surrey What's on the blog? You're in debt but what can your creditors actually do? Get peace of mind on where you stand 20 weird ways to make money There are lots of ways to boost your income. Your debts written off - too good to be true? In most cases, it usually is. Visit our money management and budgeting blog for tips and advice. Debt facts For more debt facts, please visit our debt information and advice guide. We've found that overspending is not the main cause of debt problems. Collection agents are not bailiffs and cannot seize your property. Your student loan will not be written off if you go bankrupt. Not all of your creditors have to agree to the terms of your IVA for it to be activated. Avoiding your debt for 6 years does not mean you're no longer liable for it. Sign up to our newsletter Subscribe to our MoneyAware newsletter. Each month we'll send you the latest debt news, advice and tips to help you manage your money better and avoid debt. We've changed our name Our name has changed from Consumer Credit Counselling Service (CCCS) to StepChange Debt Charity as part of our plan to become more vocal about debt. As the UK’s leading debt charity, our non-judgmental debt advice has changed the lives of millions of people across the country with debt problems. We still want to reach millions more. Find out more Media centre - latest news StepChange Debt Charity response to record nuisance calls fine 30 Sept, 2015 Today’s action should serve as a warning that this kind of practice cannot continue. How we can help you Expert debt advice and practical debt solutions. Debt info and advice Everything you need about debt and how it affects you. Debt Remedy Free online debt advice in just 20 minutes. Existing clients We'll support you whatever your solution. About us What makes us the UK's leading debt charity. Contact us Get in touch in a way that's convenient to you. Media centre We provide leading insight on problem debt. StepChange Careers You're not just doing a job. You're making a difference. We’re rated 4.9 out of 5* Mobile website Accessibility Glossary Legal Privacy & cookies Call charges MoneyAware blog Twitter Facebook Youtube Google plus LinkedIn Helping you become debt free... "I wish to thank your staff for all the great help they gave me when I was in so much debt. They were a pillar of support to me." (Leslie, Essex) Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority. *This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution. © StepChange Debt Charity 2015