StepChange

Free, independent debt advice. Debt and suicidal thoughts are closely linked, and debt is one of the few causes that can genuinely be fixed.

Who it's for

Anyone in the UK with problem debt.

Cost

Free — never pay for debt advice.

Hours

Online 24/7; phone advisers in working hours.

What actually happens

• You complete an online budget tool or talk it through by phone.
• They set out the realistic options: payment plans, breathing space, insolvency.
• They can deal with creditors on your behalf.

Last checked: September 2026. Shaun's Button is not affiliated with StepChange — we list them because they help.