StepChange Debt Charity

We have 30 years’ experience providing free, expert debt advice. We’re the UK’s only full debt support service that gives you complete flexibility. You can complete the process entirely online or switch between our online and phone service as you choose. Our debt solutions and services: - Debt management plan (DMP) - helps you repay your debt by making lower monthly payments. - Debt relief order (DRO) - can write off debts if you have few assets and a low income. - Individual voluntary arrangement (IVA) - lets you pay a reduced amount over a fixed period of time. - Breathing Space scheme - If eligible, you could get to 60 days' respite from interest, fees and court action. Not available in Scotland. - Bankruptcy advice - clears unmanageable debts and is available in England, Wales and Northern Ireland only. - Equity release - Release money tied up in your home. For people aged 55+. - Token payment plan (TPP) - offers temporary breathing space by making reduced payments. - Mortgage advice - Specialist advice, including remortgaging, interest-only maturity options.