Debt Advice

StepChange Debt Charity Logo


If you're worried about debt, it's important that you have access to free, independent debt advice. StepChange Debt Charity is the UK's leading debt advice organisation.

How can they help me?

Everyone's situation is different. StepChange Debt Charity offer lots of advice including:

  • How to budget household bills, food and living costs
  • Fee-free debt solutions
  • Payday loan debt help 
  • Help with court action like a CCJ or threats of bailiffs 
  • A tailored budget to send to your creditors.

Get an online debt assessment

StepChange Debt Charity's Debt Remedy gives you an online budget assessment. You can get a personalised recommendation in just 20 minutes. It's free, anonymous and available 24 hours a day.

If you're not sure if you need a full debt assessment use the 60 second debt check. It's quick, easy to use and gives you immediate advice on what to do next.

Prefer to speak to someone?

You can call freephone (including all mobiles) 0800 138 1111. Opening hours are 8am to 8pm Mon-Fri, 9am to 3pm on Saturday. Please mention Cotman Housing when you call.

About StepChange

StepChange Debt Charity has over 20 years' experience of helping people become debt free. Last year they helped over 350,000 people by offering free, tailored solutions.

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