StepChange Debt Charity

StepChange

StepChange Debt Charity has 25 years’ experience helping people deal with problem debt. We provide the UK’s most comprehensive debt advice service. We help people with debt problems take back control of their finances and their lives.

What We Do

StepChange Debt Charity has 25 years’ experience helping people deal with problem debt. We provide the UK’s most comprehensive debt advice service. We help people with debt problems take back control of their finances and their lives.

Debt Management Plan

With a StepChange Debt Charity DMP we can help you repay your debts by making one affordable payment each month. A DMP is flexible, so the amount you pay can change depending on your circumstances. This solution is available across the UK.

Debt Advice

Our advice is free, impartial and confidential and we tailor it to your situation. We provide a range of managed debt solutions and all the support you need to help you if you have debt.

Individual voluntary arrangement (IVA)

An IVA is a legally-binding agreement which can help you pay back a reduced amount to settle your debts, usually over five or six years. At the end of this time your remaining debt is written off. This solution is available in England, Wales and Northern Ireland.

 Debt relief order (DRO)

A DRO might be right for you if you owe less than £20,000, have a low income and very few assets. If we advise that a DRO is the best solution for you, we can help you apply. This solution is available in England, Wales and Northern Ireland.

Bankruptcy

Bankruptcy is a way of managing serious debt, particularly if you are unable to pay back the money you owe in a reasonable amount of time. This solution is available in England, Wales and Northern Ireland.

Equity release

If you are a homeowner aged 55 or over, you could consider using equity release to unlock money from your home while you still live there. Equity release could allow you to release a tax-free cash lump sum for any purpose e.g. debt consolidation, home improvements or to supplement your income. This solution is available across the UK.

Mortgages

Whether you’re buying your first home, re-mortgaging for a better deal, or using your equity to manage debt or to support your retirement plans, StepChange Financial Solutions offers access to free mortgage and equity release advice you can trust. This solution is available across the UK.

Making A Difference

Hundreds of thousands of people come to us for help every year. Some are at crisis point and many don’t see a way out. We help them to find a way out of their debt problems.

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Posted on March 12, 2018 in Agency Spotlight

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Chris Wood

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