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 1 8 0 0 9 3 7 4 3 5. Calls are free from landlines and mobiles.
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Dealing with mortgage arrears will mean looking at your individual circumstances and finding the best option for you.

Mortgage problems
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Advice on rent arrears if you’re behind with payments, including where you can get help.

Rent & rent arrears
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There are many types of debts, such as credit union loans, overdrafts, utility debts, rent arrears and mortgage arrears.

Types of debt
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Insolvency solutions such as bankruptcy, DSA, DRN or PIA could be an option if you can't afford to pay your debts.

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Find out the facts about your lenders' legal powers and how your credit file could be affected.

What can lenders do?
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Using your assets to reduce the amount of debt you owe, and how assets affect insolvency.

Assets & savings
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If you’re struggling with debt, or if it’s hard to keep up with bills and repayments, making a budget is critical.

Budgeting & living costs

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 Ireland (Registered Charity No: 20104887). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG, United Kingdom.
Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

StepChange Debt Charity 2021