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Submitted URL: http://stepchange.org/
Effective URL: https://www.stepchange.org/
Submission: On October 06 via api from ES — Scanned from GB
Effective URL: https://www.stepchange.org/
Submission: On October 06 via api from ES — Scanned from GB
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<p>We work out a budget with you, give guidance and recommend the best debt solution for you. Watch our video. </p>
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<div class="w-css-reset" style="height: 100%; left: 0px; opacity: 1; position: absolute; top: 0px; width: 100%; display: block;"><img class="w-css-reset"
srcset="https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=640x360 320w, https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=640x360 640w, https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=960x540 960w, https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=1280x720 1280w, https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=1920x1080 1920w, https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=1920x1080 3840w"
src="https://embed-ssl.wistia.com/deliveries/2c57eb3c3628bccec31055d2b1160a19.webp?image_crop_resized=640x360" alt="An animation about our omni channel journey"
style="height: 180px; left: 0px; position: absolute; top: 0px; width: 320px; clip: auto; display: block; border-radius: 0px; border-width: 0px; border-style: solid; border-color: rgb(0, 0, 0); box-sizing: content-box;">
</div>
</div>
</div>
</div>
<div aria-live="polite" class="w-vulcan--aria-live w-css-reset" aria-atomic="true" style="position: absolute; left: -99999em;"></div>
<div class="w-vulcan-overlays-table w-css-reset" style="display: table; pointer-events: none; position: absolute; width: 100%;">
<div class="w-vulcan-overlays--left w-css-reset" style="display: table-cell; vertical-align: top; position: relative; width: 0px;">
<div class="w-css-reset" style="height: 160px;"></div>
</div>
<div class="w-vulcan-overlays--center w-css-reset" style="display: table-cell; vertical-align: top; position: relative; width: 100%;">
<div class="w-css-reset" style="height: 160px;">
<div class="w-css-reset" data-handle="bigPlayButton" style="pointer-events: auto;">
<div class="w-bpb-wrapper w-css-reset w-css-reset-tree"
style="border-radius: 0px; display: block; left: calc(50%); margin-left: -31.25px; margin-top: -20px; overflow: hidden; position: absolute; top: calc(50% - 0px);"><button
class="w-big-play-button w-css-reset-button-important w-vulcan-v2-button" aria-label="Play Video: StepChange, Your Way" tabindex="0"
style="cursor: pointer; height: 40px; box-shadow: none; width: 62.5px;">
<div style="background: rgb(107, 51, 116); display: block; left: 0px; height: 40px; mix-blend-mode: darken; position: absolute; top: 0px; width: 62.5px;"></div>
<div style="background-color: rgba(107, 51, 116, 0.7); height: 40px; left: 0px; position: absolute; top: 0px; transition: background-color 150ms ease 0s; width: 62.5px;"></div><svg
x="0px" y="0px" viewBox="0 0 125 80" enable-background="new 0 0 125 80" aria-hidden="true" alt=""
style="fill: rgb(255, 255, 255); height: 40px; left: 0px; stroke-width: 0px; top: 0px; width: 100%; position: absolute;">
<rect fill-rule="evenodd" clip-rule="evenodd" fill="none" width="125" height="80"></rect>
<polygon fill-rule="evenodd" clip-rule="evenodd" fill="#FFFFFF" points="53,22 53,58 79,40"></polygon>
</svg>
</button></div>
</div>
<div class="w-css-reset" data-handle="clickForSoundButton" style="pointer-events: auto;">
<div class="w-css-reset w-css-reset-tree" data-handle="click-for-sound-backdrop"
style="display: none; height: 100%; left: 0px; pointer-events: auto; position: absolute; top: 0px; width: 100%;"><button aria-label="Click for sound"
class="w-vulcan-v2-button click-for-sound-btn"
style="background: rgba(0, 0, 0, 0.8); border: 2px solid transparent; border-radius: 60px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; outline: none; pointer-events: auto; position: absolute; right: 11.5px; top: 11.5px;">
<div style="display: flex; align-items: center; justify-content: flex-end; white-space: nowrap; overflow: hidden; max-width: 0px; transition: max-width 200ms ease 0s;"><span
style="color: rgb(255, 255, 255); font-family: WistiaPlayerInter, Helvetica, sans-serif; font-size: 18px; font-weight: 500; padding-left: 1em;">Click for sound</span></div><svg
viewBox="0 0 237 237" width="31.499999999999996" height="31.499999999999996">
<style>
@keyframes VOLUME_SMALL_WAVE_FLASH {
0% {
opacity: 0;
}
33% {
opacity: 1;
}
66% {
opacity: 1;
}
100% {
opacity: 0;
}
}
@keyframes VOLUME_LARGE_WAVE_FLASH {
0% {
opacity: 0;
}
33% {
opacity: 1;
}
66% {
opacity: 1;
}
100% {
opacity: 0;
}
}
.volume__small-wave {
animation: VOLUME_SMALL_WAVE_FLASH 2s infinite;
opacity: 0;
}
.volume__large-wave {
animation: VOLUME_LARGE_WAVE_FLASH 2s infinite .3s;
opacity: 0;
}
</style>
<path fill="#fff" d="M88 107H65v24h24l23 23V84z"></path>
<g fill="none" stroke="#fff" stroke-linecap="round" stroke-width="10">
<path d="M142 86c9 21 9 44 0 65" class="volume__small-wave"></path>
<path d="M165 74c13 23 13 66 0 89" class="volume__large-wave"></path>
</g>
</svg>
</button></div>
</div>
<div class="w-css-reset" data-handle="playPauseNotifier" style="pointer-events: auto;"></div>
<div class="w-css-reset" data-handle="captions" style="pointer-events: auto;">
<nothing></nothing>
</div>
<div class="w-css-reset" data-handle="playPauseLoading" style="pointer-events: auto;">
<div class="w-css-reset w-css-reset-tree" style="height: 100%; left: 0px; pointer-events: none; position: absolute; top: 0px; width: 100%;"><button aria-label="Play Video"
class="w-vulcan-v2-button"
style="background: rgba(0, 0, 0, 0.6); border: 0px; border-radius: 50%; cursor: pointer; display: none; height: 70px; left: 50%; margin: 0px; padding: 0px; pointer-events: auto; position: absolute; opacity: 0; outline: none; top: 50%; transform: translate(-50%, -50%) scale(0.8); transition: opacity 200ms ease 0s, transform 600ms ease 0s; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); width: 70px;">
<div style="box-sizing: border-box; height: 100%; padding: 23.625px 23.625px 23.625px 28.875px;">
<div style="height: 100%; width: 100%;">
<div style="display: none; height: 100%; width: 100%;"><svg x="0px" y="0px" viewBox="0 0 11.556 16" enable-background="new 0 0 11.556 16" aria-hidden="true"
class="w-css-reset w-css-reset-tree" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%;">
<g>
<rect x="0" y="0" width="3.5" height="12"></rect>
<rect x="6.5" y="0" width="3.5" height="12"></rect>
</g>
</svg></div>
<div style="display: block; height: 100%; width: 100%;"><svg x="0px" y="0px" viewBox="0 0 11.556 16" enable-background="new 0 0 11.556 16" aria-hidden="true"
class="w-css-reset w-css-reset-tree" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%;">
<polygon points="11.556,7.5 0,15 0,0"></polygon>
</svg></div>
</div>
</div>
</button></div>
</div>
<div class="w-css-reset" data-handle="annotationOverlay" style="pointer-events: auto;">
<div>
<div style="position: absolute; display: flex; flex-direction: column; pointer-events: none; max-width: 50%; width: 100%; align-items: flex-start;"></div>
<div style="position: absolute; display: flex; flex-direction: column; pointer-events: none; max-width: 50%; width: 100%; right: 0px; align-items: flex-end;"></div>
</div>
</div>
<div class="w-css-reset" data-handle="transcript" style="pointer-events: auto;">
<div class="w-css-reset" style="position: absolute;"></div>
</div>
</div>
</div>
<div class="w-vulcan-overlays--right w-css-reset" style="display: table-cell; vertical-align: top; position: relative; width: 0px;">
<div class="w-css-reset" style="height: 160px;"></div>
</div>
</div>
<div class="w-bottom-bar w-css-reset"
style="bottom: 0px; border-radius: 0px; border-collapse: collapse; display: table; height: 20px; pointer-events: none; position: absolute; padding-left: 0px; padding-right: 0px; right: 0px; table-layout: auto; transform: unset; width: calc(100% - 0px);">
<div class="w-bottom-bar-lower w-css-reset" style="position: relative;">
<div style="height: 100%; left: 0px; position: absolute; top: 0px; width: 100%;">
<div
style="background: rgb(107, 51, 116); display: none; height: 100%; mix-blend-mode: darken; left: 0px; opacity: 1; position: absolute; top: 0px; transition: opacity 0s ease 0s; width: 100%;">
</div>
<div style="background: rgba(107, 51, 116, 0.85); border-radius: 0px; height: 100%; opacity: 1; left: 0px; position: absolute; top: 0px; transition: opacity 0s ease 0s; width: 100%;"></div>
</div>
<div style="display: none;">
<div
style="background: rgb(107, 51, 116); display: none; height: 100%; mix-blend-mode: darken; left: 0px; opacity: 1; position: absolute; top: 0px; transition: opacity 0s ease 0s; width: 100%;">
</div>
<div style="background: rgba(107, 51, 116, 0.85); border-radius: 0px; height: 100%; opacity: 1; left: 0px; position: absolute; top: 0px; transition: opacity 0s ease 0s; width: 100%;"></div>
</div>
<div class="w-bottom-bar-left w-css-reset" style="display: table-cell; vertical-align: top; position: relative; width: 0px; opacity: 1; transition: opacity 0s ease 0s;">
<div class="w-bottom-bar-left-inner w-css-reset" style="height: 20px; position: relative; pointer-events: auto; white-space: nowrap;">
<div class="w-css-reset" data-handle="smallPlayButton" style="display: inline-block; vertical-align: top;">
<div class="w-vulcan-button-wrapper w-css-reset" style="display: inline-block; height: 20px; position: relative; vertical-align: top; width: 24px;"><button
class="w-vulcan-v2-button w-css-reset w-css-reset-tree w-css-reset-button-important" tabindex="0" aria-label="Play Video" title="Play Video"
style="background-color: rgba(0, 0, 0, 0); border-radius: 0px; box-shadow: none; cursor: pointer; height: 100%; position: relative; transition: background-color 150ms ease 0s; width: calc(100% + 0px); padding-right: 0px;">
<div class="w-vulcan-icon-wrapper" data-handle="smallPlayButton_icon_wrapper"
style="box-sizing: border-box; height: 100%; position: relative; opacity: 1; transform: scale(1.001); transition: transform 200ms ease 0s;">
<div style="box-sizing: border-box; height: 100%; margin-left: 0.6px; padding: 6px 0px 5.4px; position: relative; width: 100%;">
<div style="height: 100%; width: 100%;">
<div style="display: none; height: 100%; width: 100%;"><svg x="0px" y="0px" viewBox="0 0 11.556 16" enable-background="new 0 0 11.556 16" aria-hidden="true"
class="w-css-reset w-css-reset-tree" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%; vertical-align: top;">
<g>
<rect x="0" y="0" width="3.5" height="12"></rect>
<rect x="6.5" y="0" width="3.5" height="12"></rect>
</g>
</svg></div>
<div style="display: block; height: 100%; width: 100%;"><svg x="0px" y="0px" viewBox="0 0 11.556 16" enable-background="new 0 0 11.556 16" aria-hidden="true"
class="w-css-reset w-css-reset-tree" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%; vertical-align: top;">
<polygon points="11.556,7.5 0,15 0,0"></polygon>
</svg></div>
</div>
</div>
</div>
</button></div>
</div>
</div>
</div>
<div class="w-bottom-bar-middle w-css-reset" style="display: table-cell; vertical-align: top; position: relative; width: 100%; opacity: 1; transition: opacity 0s ease 0s;">
<div class="w-bottom-bar-middle-inner w-css-reset"
style="height: 20px; position: relative; pointer-events: auto; white-space: nowrap; opacity: 1; transform: translateY(0px); transition: opacity 0ms ease 0s, transform 0ms ease 0s;">
<div class="w-css-reset" data-handle="playbar" style="height: 100%; position: relative;">
<div class="w-playbar-wrapper w-css-reset w-css-reset-tree" style="display: flex; height: 100%; width: 100%;">
<div class="w-playbar__time"
style="box-sizing: content-box; color: white; font-family: WistiaPlayerInterNumbersSemiBold, Helvetica, sans-serif; font-size: 7.8px; letter-spacing: 0.3px; line-height: 20px; padding-left: 3px; pointer-events: none; position: relative; text-align: center; width: 16.8px;">
1:11</div>
<div aria-label="Playbar" aria-orientation="horizontal" aria-valuemax="70.976" aria-valuemin="0" aria-valuenow="0" aria-valuetext="0 seconds" role="slider" tabindex="0"
style="cursor: pointer; flex: 1 1 0%; height: 20px; outline: none; margin-left: 9px; margin-right: 6px; position: relative;"><canvas height="20" width="180"
style="height: 20px; left: -9px; position: absolute; top: 0px; width: 180.2px;"></canvas>
<div style="border-radius: 50%; height: 6.72px; left: -3.36px; opacity: 0; position: absolute; top: 6.64px; width: 6.72px;"></div>
</div>
</div>
</div>
</div>
</div>
<div class="w-bottom-bar-right w-css-reset" style="display: table-cell; vertical-align: top; position: relative; width: 0px; opacity: 1; transition: opacity 0s ease 0s; white-space: nowrap;">
<div class="w-bottom-bar-right-inner-anchor w-css-reset"
style="height: 20px; position: relative; pointer-events: auto; white-space: nowrap; display: inline-block; right: 0px; top: 0px; vertical-align: top;">
<div class="w-bottom-bar-right-inner w-css-reset"
style="height: 20px; position: relative; pointer-events: auto; white-space: nowrap; display: inline-block; opacity: 1; right: 0px; top: 0px; transform: translateY(0px); transition: opacity 0ms ease 0s, transform 0ms ease 0s; padding-right: 0px;">
<div class="w-css-reset" data-handle="captionsButton" style="display: inline-block; vertical-align: top;">
<div class="w-vulcan-button-wrapper w-css-reset" style="display: inline-block; height: 20px; position: relative; vertical-align: top; width: 24px;"><button
class="w-vulcan-v2-button w-css-reset w-css-reset-tree w-css-reset-button-important" tabindex="0" aria-expanded="false" aria-label="Show captions menu" title="Show captions menu"
style="background-color: rgba(0, 0, 0, 0); border-radius: 0px; box-shadow: none; cursor: pointer; height: 100%; position: relative; transition: background-color 150ms ease 0s; width: calc(100% + 0px); padding-right: 0px;">
<div class="w-vulcan-icon-wrapper" data-handle="captionsButton_icon_wrapper"
style="box-sizing: border-box; height: 100%; position: relative; opacity: 1; transform: scale(1.001); transition: transform 200ms ease 0s;"><svg x="0px" y="0px" viewBox="0 0 40 34"
enable-background="new 0 0 40 34" aria-hidden="true" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%;">
<g>
<path fill="none" stroke="#ffffff" stroke-linecap="round" stroke-miterlimit="10" stroke-width="1.8"
d="M18.4,18.7c-0.5,0.7-1.1,1.2-2.1,1.2c-1.3,0-2.4-1.1-2.4-2.8c0-1.6,1-2.8,2.4-2.8c1,0,1.6,0.5,2,1.2"></path>
</g>
<g>
<path fill="none" stroke="#ffffff" stroke-linecap="round" stroke-miterlimit="10" stroke-width="1.8"
d="M25.8,18.7c-0.5,0.7-1.1,1.2-2.1,1.2c-1.3,0-2.4-1.1-2.4-2.8c0-1.6,1-2.8,2.4-2.8c1,0,1.6,0.5,2,1.2"></path>
</g>
<g>
<path fill="none" stroke="#ffffff" stroke-linecap="round" stroke-miterlimit="10" stroke-width="2"
d="M31,21.9c0,1.6-1.4,3-3,3H12c-1.6,0-3-1.4-3-3V12c0-1.6,1.4-3,3-3h16c1.6,0,3,1.4,3,3V21.9z"></path>
</g>
</svg></div>
</button></div>
</div>
<div class="w-css-reset" data-handle="volumeButton" style="display: inline-block; vertical-align: top;">
<div class="w-vulcan-button-wrapper w-css-reset" style="display: inline-block; height: 20px; position: relative; vertical-align: top; width: 24px;"><button
class="w-vulcan-v2-button w-css-reset w-css-reset-tree w-css-reset-button-important" tabindex="0" aria-label="Mute" title="Mute"
style="background-color: rgba(0, 0, 0, 0); border-radius: 0px; box-shadow: none; cursor: pointer; height: 100%; position: relative; transition: background-color 150ms ease 0s; width: calc(100% + 0px); padding-right: 0px;">
<div class="w-vulcan-icon-wrapper" data-handle="volumeButton_icon_wrapper"
style="box-sizing: border-box; height: 100%; position: relative; opacity: 1; transform: scale(1.001); transition: transform 200ms ease 0s;"><svg x="0px" y="0px" viewBox="0 0 40 34"
enable-background="new 0 0 40 34" aria-hidden="true" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%;">
<g style="transform: translateX(1.25px); transition: transform 100ms ease 0s;">
<g>
<path
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</path>
</g>
<g>
<path fill="none" stroke="#ffffff" stroke-line-cap="round" stroke-miterlimit="10" stroke-width="2" d="M22,11.7c0,0,1.1,2.5,1.1,5s-1.1,5-1.1,5"
style="opacity: 1; transition: opacity 100ms ease 0s;"></path>
<path fill="none" stroke="#ffffff" stroke-line-cap="round" stroke-miterlimit="10" stroke-width="2" d="M25.8,9.2c0,0,1.7,3.8,1.7,7.5c0,3.7-1.7,7.5-1.7,7.5"
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</g>
<g style="opacity: 0; transition: opacity 100ms ease 0s;">
<line fill="none" stroke="#ffffff" stroke-line-cap="round" stroke-miterlimit="10" stroke-width="1.8102" x1="19.2" y1="15" x2="23.2" y2="19"></line>
<line fill="none" stroke="#ffffff" stroke-line-cap="round" stroke-miterlimit="10" stroke-width="1.8102" x1="19.2" y1="19" x2="23.2" y2="15"></line>
</g>
</g>
</svg></div>
</button></div>
</div>
<div class="w-css-reset" data-handle="settingsButton" style="display: inline-block; vertical-align: top;">
<div class="w-vulcan-button-wrapper w-css-reset" style="display: inline-block; height: 20px; position: relative; vertical-align: top; width: 24px;"><button
class="w-vulcan-v2-button w-css-reset w-css-reset-tree w-css-reset-button-important" tabindex="0" aria-expanded="false" aria-label="Show settings menu" title="Show settings menu"
style="background-color: rgba(0, 0, 0, 0); border-radius: 0px; box-shadow: none; cursor: pointer; height: 100%; position: relative; transition: background-color 150ms ease 0s; width: calc(100% + 0px); padding-right: 0px;">
<div class="w-vulcan-icon-wrapper" data-handle="settingsButton_icon_wrapper"
style="box-sizing: border-box; height: 100%; position: relative; opacity: 1; transform: scale(1.001); transition: transform 200ms ease 0s;"><svg x="0px" y="0px" viewBox="0 0 40 34"
enable-background="new 0 0 40 34" aria-hidden="true" style="fill: rgb(255, 255, 255); height: 100%; left: 0px; stroke-width: 0px; top: 0px; width: 100%;">
<g>
<g>
<path
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<div class="w-ellipsis w-css-reset" style="height: 20px; position: relative; pointer-events: auto; white-space: nowrap; display: none;"></div>
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<div class="w-css-reset" data-handle="contextMenu" style="pointer-events: auto;"></div>
<div class="w-css-reset" data-handle="loadingHourglass" style="pointer-events: auto;"></div>
<div class="w-css-reset" data-handle="focusOutline" style="pointer-events: auto;">
<div class="w-focus-outline"
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padding: 0;
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float: none;
font: inherit;
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font-size: 2em;
letter-spacing: 0;
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margin: 1.4em 0;
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#wistia_chrome_23 #wistia_grid_57_wrapper span.w-css-reset {
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-webkit-font-smoothing: antialiased;
list-style-type: none
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box-sizing: inherit;
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color: inherit;
display: block;
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text-decoration: none;
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word-wrap: normal;
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background-size: 100% 100%;
float: none;
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outline: none;
position: static
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}
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color: inherit;
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font: inherit;
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</div>
</article>
</div>
</div><!-- End_Module_34031 -->
</div>
</div>
</div>
</div>
<div id="dnn_P4_25_2" class="row-item">
<div class="DnnModule DnnModule-DNN_HTML DnnModule-34032 DnnVersionableControl"><a name="34032"></a>
<div class="module blank u-margin--bottom--md">
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<div class="inner" style="max-width: 350px; margin: 0 auto;">
<div class="content">
<h2 style="color:#5D0084; text-align: center; font-size: 1.867rem; margin-bottom: 1rem; min-height: auto;" class="header-not-sure-where-to-start">Not sure where to start?</h2>
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<br />min-height: auto !important;
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<p>You can find what kind of help you need by answering a few quick questions.<br><br> It will only take two minutes. </p>
<div class="">
<div class="sc-content-block" data-cb-instance="33590" data-cb-id="-690">
<a href="/start.aspx" class="button find-the-right-help" style="width: 100%; background-color: #ffffff; color: #333333; border-radius: 6px; border: 1px solid #333333; margin: 0 0 1rem 0; padding: 0.9rem 0; display: block; text-align: center; text-decoration: none;">Find the right help</a>
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<div class="row dnnpane">
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<div class="DnnModule DnnModule-DNN_HTML DnnModule-34034 DnnVersionableControl"><a name="34034"></a>
<div class="module blank u-margin--bottom--md">
<div id="dnn_ctr34034_ContentPane" class="module-content"><!-- Start_Module_34034 -->
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<div id="dnn_ctr34034_HtmlModule_lblContent">
<article class="sc-link-list-card a-wide-range-of-debt-solutions-and-services"
style="color: #333333;background-color: #F5F5F5;text-align: center;max-width: none;width: 100vw;margin: 0;margin-left: -1rem;margin-right: -1rem;padding: 4rem 1rem;">
<div class="inner" style="max-width: 920px; margin: 0 auto; position: relative;">
<h2 style="text-align: center; font-size: 1.867rem; margin-bottom: 1.5rem; min-height: auto; color:#5D0084" class="header-a-wide-range-of-debt-solutions-and-services">A wide range of debt solutions and services</h2>
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<p>Whether it's to pay back what you owe with payments you can afford, write off your debts, or if all you need is some time and space to sort out your finances, we have the solution. </p>
<ul class="debt-solutions">
<li><a title="Debt management plan (DMP)" href="/how-we-help/debt-management-plan.aspx">Debt management plan (DMP)</a></li>
<li><a title="Individual voluntary arrangement (IVA)" href="/how-we-help/individual-voluntary-arrangement.aspx">Individual voluntary arrangement (IVA)</a></li>
<li><a title="Debt relief order (DRO)" href="/how-we-help/debt-relief-order.aspx">Debt relief order (DRO)</a></li>
<li><a title="Bankruptcy" href="/how-we-help/bankruptcy.aspx">Bankruptcy</a></li>
<li><a title="Equity release" href="/how-we-help/equity-release.aspx">Equity release</a></li>
<li><a title="Debt Arrangement Scheme (DAS)" href="/how-we-help/debt-arrangement-scheme.aspx">Debt Arrangement Scheme (DAS)</a></li>
<li><a title="Sequestration bankruptcy" href="/how-we-help/sequestration-scotland.aspx">Sequestration bankruptcy</a></li>
<li><a title="MAP bankruptcy" href="/how-we-help/minimal-asset-process-bankruptcy.aspx">MAP bankruptcy</a></li>
<li><a title="Protected trust deed" href="/how-we-help/trust-deed-scotland.aspx">Protected trust deed</a></li>
<li><a title="Breathing Space" href="/how-we-help/breathing-space-scheme.aspx">Breathing Space</a></li>
<li><a title="Mortgage advice" href="/how-we-help/mortgages.aspx">Mortgage advice</a></li>
<li><a href="/how-we-help/debt-calculator-tools.aspx">Online debt calculators</a></li>
</ul>
</div>
</article>
</div>
</div><!-- End_Module_34034 -->
</div>
</div>
</div>
</div>
<div id="dnn_P5_25_2" class="row-item">
<div class="DnnModule DnnModule-DNN_HTML DnnModule-34035 DnnVersionableControl"><a name="34035"></a>
<div class="module blank u-margin--bottom--md">
<div id="dnn_ctr34035_ContentPane" class="module-content DNNAligncenter"><!-- Start_Module_34035 -->
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<div id="dnn_ctr34035_HtmlModule_lblContent">
<style>
.usps {
margin-top: -1rem !important;
}
.icon-banner-list {
color: #fff;
text-align: center;
}
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display: block;
font-weight: bold;
}
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</style>
<div class="banner usps" style="margin: 0; background-color: #5D0084;">
<ul class="icon-banner-list new-brand-usps">
<li>
<div class="banner-card">
<div class="img-wrapper"><img src="/portals/0/_image/img/2023-rebrand/lightbulb.svg" alt="lightbulb icon" width="100" height="100" style="width: 100; height: 100;">
</div>Our advice is <span>completely free</span> and impartial
</div>
</li>
<li>
<div class="banner-card">
<div class="img-wrapper"><img src="/portals/0/_image/img/2023-rebrand/poundhand.svg" alt="icon of a hand holding a coin" width="100" height="100" style="width: 100; height: 100;">
</div>We have <span>30 years'</span> experience
</div>
</li>
<li>
<div class="banner-card">
<div class="img-wrapper"><img src="/portals/0/_image/img/2023-rebrand/5star.svg" alt="5 stars icon" width="100" height="100" style="width: 100; height: 100;">
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<h3 style="color: #000000; text-align: left; font-size: 1.25rem; margin-bottom: 0; min-height: auto;" class="header-i-can’t-pay-my-energy-bills.-can-you-help-me bold">I cannot pay my energy bills. Can you
help me?</h3>
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<div class="accordion-item-body-content">To avoid your supply being cut off, we can work with you on a plan to pay back what you owe. <br><br> If there is no way for you to do that we will look at other ways
to deal with your debts. <a href="/debt-info/gas-and-electricity-arrears.aspx">Read our guide about gas and electricity bills</a>. </div>
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<h3 style="color: #000000; text-align: left; font-size: 1.25rem; margin-bottom: 0; min-height: auto;" class="header-can-i-write-off-debt bold">Can I write off debt?</h3>
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<div class="accordion-item-body-content">Sometimes you can do this. It could be that it would take you a very long time to pay what you owe. In this case you could apply for a solution that writes off some or
all your debt. But you must get debt advice before doing this.<br><br>In some cases, the people you owe money to may choose to write off the debt. It depends what you are dealing with. <br><br>
<a href="/debt-info/dealing-with-debt-problems/can-i-write-off-debt.aspx">Find out if you can write off debt and how it works</a>.
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<h3 style="color: #000000; text-align: left; font-size: 1.25rem; margin-bottom: 0; min-height: auto;" class="header-is-debt-consolidation-right-for-me bold">Is debt consolidation right for me?</h3>
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<div class="accordion-item-body-content">If you have a poor credit history, you are more likely to be offered loans and credit to consolidate debt. This could be because you have missed payments or have
<a href="/debt-info/ccj.aspx">County Court judgments (CCJs)</a>. <br><br> These types of credit often have a higher rate of interest which must be paid. Because of this, consolidation may not be the best
option for you. Using a <a href="/debt-info/credit-card-debt.aspx">credit card</a> or loan that could cost you a lot means you are at risk of more money problems in the future. <br><br>
<a href="/debt-info/debt-consolidation.aspx">Find out more about debt consolidation</a>.
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<h3 style="color: #000000; text-align: left; font-size: 1.25rem; margin-bottom: 0; min-height: auto;" class="header-i-urgently-need-help-with-money-for-food-and-bills-can-you-help bold">I urgently need help
with money for food and bills. Can you help?</h3>
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<div class="accordion-item-body-content">It may seem like there’s no help. But there is a range of support available. Trust funds, credit unions, councils, energy companies, the government and charities all
offer ways to help.<br><br> And we can work with you on your budget so you can afford your bills. We also work with partners who can give you more support where you need it.<br><br>
<a href="/debt-info/emergency-funding.aspx">Find out how to get emergency help</a>.
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<h3 style="color: #000000; text-align: left; font-size: 1.25rem; margin-bottom: 0; min-height: auto;" class="header-how-do-i-make-a-budget bold">How do I make a budget?</h3>
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<div class="accordion-item-body-content">Making a budget is the first step towards taking control of your finances and getting back on track.<br><br> This helps you to see where your money is going. And that
makes it easier to make sure you have covered all the things you need to pay for. When you come to us for debt advice, we will work out your budget with you.<br><br>
<a href="/debt-info/how-to-make-a-budget.aspx">Watch our video guide: Making a budget</a>.
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<div class="accordion-item-body-content">It’s important to know what your rights when <a href="/debt-info/debt-collection/bailiff-help-and-advice.aspx">dealing with bailiffs</a>,
or <a href="/debt-info/debt-collection/sheriff-officers.aspx">Sheriff officers</a>.They should write to you before coming to your home. If they visit you there are lots of rules about
<a href="/debt-info/bailiffs/bailiff-rights-and-powers.aspx">what bailiffs can and can’t do</a>. <br><br>A debt collector is not always a bailiff. Bailiffs have special legal powers to collect a
debt.<a href="/debt-info/debt-collection.aspx">Find out how debt collection works</a>. </div>
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or mortgage?</h3>
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<div class="accordion-item-body-content">If you don’t deal with your <a href="/debt-info/rent-arrears.aspx">rent arrears</a>: Your landlord or letting agency could take steps to evict you. But you can
take steps to avoid this. <br><br> If you don’t deal with <a href="/debt-info/mortgage-arrears.aspx">mortgage arrears</a>: Your lender could look into repossessing your home. This will happen as a last
resort.<br><br> You should work out how much you can afford to pay. We can help you put together a budget to do this. You then use this budget to offer to pay what you owe at a rate you can afford. Share
your budget with the lender or landlord so they can see you are paying as much as you can. You must keep to the new payment plan they have agreed to. </div>
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<p>Foundation for Credit Counselling, 123 Albion Street, Leeds, LS2 8ER trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and
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rc::bThis cookie is used to distinguish between humans and bots.
Expiry: SessionType: HTML
rc::fThis cookie is used to distinguish between humans and bots.
Expiry: PersistentType: HTML
ccp_user*Hire Serve cookie that helps to provide secure login and manage
data you have entered during a session.
Expiry: SessionType: HTTP
hs_ccp_user*Hire Serve cookie that helps to provide secure login and
manage data you have entered during a session.
Expiry: SessionType: HTTP
hs_lastaccesstime4697Hire Serve cookie that helps to provide secure login
and manage data you have entered during a session.
Expiry: SessionType: HTTP
hs_sessionid4697Hire Serve cookie that helps to provide secure login and
manage data you have entered during a session.
Expiry: SessionType: HTTP
lastaccesstime4697Hire Serve cookie that helps to provide secure login and
manage data you have entered during a session.
Expiry: SessionType: HTTP
SESS#Hire Serve cookie that helps to provide secure login and manage data
you have entered during a session.
Expiry: 5 daysType: HTTP
sessionid*Hire Serve cookie that helps to provide secure login and manage
data you have entered during a session.
Expiry: SessionType: HTTP
__RequestVerificationToken [x2]Helps prevent Cross-Site Request Forgery
(CSRF) attacks.
Expiry: SessionType: HTTP
ASPXAUTHIdentifies the user and allows authentication to the server
Expiry: SessionType: HTTP
autolaunch_triggeredLaunches the security app
Expiry: SessionType: HTTP
DTEnables the visitor to share content from the website onto social media
platforms or websites.
Expiry: 400 daysType: HTTP
sidPreserves users states across page requests.
Expiry: SessionType: HTTP
tStores data on which websites the user has visited.
Expiry: SessionType: HTTP
sc-mtk-Pending
Expiry: SessionType: HTML
sc-mtk-navigationRoutePending
Expiry: SessionType: HTML
Q10SessionAllows functions and features to work as intended on unsupported
browsers.
Expiry: SessionType: HTTP
StepChange_AcceptCookiePolicyRegisters whether or not the user has
consented to the use of cookies.
Expiry: 10 yearsType: HTTP
StepChangeSitePrefThis cookie saves preferences you may have set while
navigating our site.
Expiry: SessionType: HTTP
dnn_IsMobileDetermines the device used to access the website. This allows
the website to be formatted accordingly.
Expiry: SessionType: HTTP
languageSaves the user's preferred language on the website.
Expiry: SessionType: HTTP
PegaIACProvides functionality for resetting password for our debt advice
tool
Expiry: 1 dayType: HTTP
* Teads
1
Learn more about this provider
tfpviAllows functions and features to work as intended on unsupported
browsers.
Expiry: SessionType: HTTP
* advice.stepchange.org
consent.cookiebot.com
9
CookieConsent [x9]Stores the user's cookie consent state for the current
domain
Expiry: 1 yearType: HTTP
* dotmailer-surveys.com
2
Survey-*Tracks and identifies a respondent as they answer the survey and
records when the survey is complete.
Expiry: 1 yearType: HTTP
Survey-477ed9203a0fc99f1auydc0bd77d61238d34Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
* eu1static.oktacdn.com
1
aoLaunches the security app
Expiry: SessionType: HTTP
* r1.dotdigital-pages.com
23
respondentidVD3-14Q9Tracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-14Q9countTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
respondentidVD3-15NATracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-15NAcountTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
respondentidVD3-161YTracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-161YcountTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
respondentidVD3-KF6Tracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-KF6countTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
respondentidVD3-KUUTracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-KUUcountTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
respondentidVD3-LRBTracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-LRBcountTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
respondentidVD3-Q9MTracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 30 daysType: HTTP
respondentidVD3-Q9McountTracks and identifies a respondent as they answer
the survey and records when the survey is complete.
Expiry: SessionType: HTTP
responder-VD3-KF6Tracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: SessionType: HTTP
responder-VD3-Q9MUsed to enable the contact form functionality.
Expiry: SessionType: HTTP
Survey-Started-323625fd4e2faf4a58kb0568d4297ed9fcf6Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-63808db1af63f5d26y31a59655ed6d3d9851Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-858de084c30e40c46uuqb25e35ea579dbf40Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-8ee5e46f750a9fc05m7hed2f01930acf67efTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-9757222bede822ce59difd2cd3a87ff3abc1Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-9bfb8574fa4369c86zmf36adc2feb9b9a64eTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-c212bdcd0a74a1645bfr32231c42fdf7cf28Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
* r1.dotdigital-pages.com
stepchangenews.org
2
__cflb [x2]Registers which server-cluster is serving the visitor. This is
used in context with load balancing, in order to optimize user experience.
Expiry: 1 dayType: HTTP
* r1.dotmailer-surveys.com
10
Survey-10663d2bc12594964cnv07b45cc52c39956eTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-1560aeb28f06a04a4iaaf8aa7b4e3116b759Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-1603a316c406e6654mok8dc4c5ff7c6e61f2Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-227d3e4d02006ba54co379e783ef86533802Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-3cb92ef58b49734b4hdv3e8bf61831b77f9eTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-cd70e00f57d5298f3ftkff50e6c595b9670dTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-df476b5f8328828830l17ed70f7286760f8cTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-f7a626c634af6b713zgab9fd0f69683bde17Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-f90db0e3883db8591jdzfab19492a2536295Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 yearType: HTTP
Survey-Started-227d3e4d02006ba54co379e783ef86533802Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
* stepchangenews.org
r1.dotdigital-pages.com
4
cf_clearance [x2]This cookie is used to distinguish between humans and
bots.
Expiry: 1 yearType: HTTP
LP-8FB49A30DB2099E1VD3DE8040C221A91866 [x2]Used to enable the contact form
functionality.
Expiry: 30 daysType: HTTP
* Third-party cookies 2
These are cookies set with domains different from the one shown on your
address bar.
* StepChange
2
Learn more about this provider
loglevelMaintains settings and outputs when using the Developer Tools
Console on current session.
Expiry: PersistentType: HTML
wistia-video-progress-#Contains a timestamp for the website’s
video-content. This allows the user to resume watching without having to
start over, if the user leaves the video or website.
Expiry: PersistentType: HTML
* Statistics 54
Statistic cookies help website owners to understand how visitors interact
with websites by collecting and reporting information anonymously.
* Google
7
Learn more about this provider
collectGoogle Analytics cookie that collects data about your device and
behaviour.
Expiry: SessionType: Pixel
_ga [x2]Google Analytics cookie that is used to generate statistical data
on how the visitor uses the website.
Expiry: 2 yearsType: HTTP
_gid [x2]Google Analytics cookie that is used to generate statistical data
on how the visitor uses the website.
Expiry: 1 dayType: HTTP
_ga_#Used by Google Analytics to collect data on the number of times a
user has visited the website as well as dates for the first and most
recent visit.
Expiry: 2 yearsType: HTTP
_gatUsed by Google Analytics to throttle request rate
Expiry: 1 dayType: HTTP
* Hotjar
26
Learn more about this provider
_hjRecordingEnabledCollects data on the user’s navigation and behavior on
the website. This is used to compile statistical reports and heatmaps for
the website owner.
Expiry: SessionType: HTML
_hjRecordingLastActivitySets a unique ID for the session. This allows the
website to obtain data on visitor behaviour for statistical purposes.
Expiry: SessionType: HTML
hjActiveViewportIdsThis cookie contains an ID string on the current
session. This contains non-personal information on what subpages the
visitor enters – this information is used to optimize the visitor's
experience.
Expiry: PersistentType: HTML
hjViewportIdSaves the user's screen size in order to adjust the size of
images on the website.
Expiry: SessionType: HTML
_hjAbsoluteSessionInProgressThis cookie is used to count how many times a
website has been visited by different visitors - this is done by assigning
the visitor an ID, so the visitor does not get registered twice.
Expiry: 1 dayType: HTTP
_hjFirstSeenThis cookie is used to determine if the visitor has visited
the website before, or if it is a new visitor on the website.
Expiry: 1 dayType: HTTP
_hjIncludedInSessionSample_#Collects statistics on the visitor's visits to
the website, such as the number of visits, average time spent on the
website and what pages have been read.
Expiry: 1 dayType: HTTP
_hjSession_#Collects statistics on the visitor's visits to the website,
such as the number of visits, average time spent on the website and what
pages have been read.
Expiry: 1 dayType: HTTP
_hjSessionUser_#Collects statistics on the visitor's visits to the
website, such as the number of visits, average time spent on the website
and what pages have been read.
Expiry: 1 yearType: HTTP
_hjTLDTestRegisters statistical data on users' behaviour on the website.
Used for internal analytics by the website operator.
Expiry: SessionType: HTTP
_hjIncludedInSample [x4]A Hotjar cookie used to let the system know if the
visit is included in the sample which is used to generate anonymous
Heatmaps, Funnels, Recordings, etc.
Expiry: 1 dayType: HTTP
_hjDonePolls [x4]A Hotjar cookie to ensure a visitor does not see the same
poll twice
Expiry: 1 yearType: HTTP
_hjMinimizedPolls [x4]A Hotjar cookie used to ensure that the widget stays
minimized when the visitor navigates through your site.
Expiry: 1 yearType: HTTP
_hjShownFeedbackMessage [x4]A Hotjar cookie set when a visitor minimizes
or completes Incoming Feedback to minimize the survey on further pages.
Expiry: 1 yearType: HTTP
* Monsido
3
Learn more about this provider
monsido [x2]Used to monitor website performance for statistical purposes.
Expiry: 30 daysType: HTTP
(unnamed)Pending
Expiry: SessionType: Pixel
* StepChange
4
Learn more about this provider
wistiaUsed by the website to track the visitor's use of video-content -
The cookie roots from Wistia, which provides video-software to websites.
Expiry: PersistentType: HTML
_pzbfptUsed by our debt advice tool to verify user ID
Expiry: PersistentType: HTML
tdRegisters statistical data on users' behaviour on the website. Used for
internal analytics by the website operator.
Expiry: SessionType: Pixel
.ASPXANONYMOUSThis cookie is set by ASP.NET. The cookie is used to a
unique ID for users to store tracking data within a session, anonymously
Expiry: 69 daysType: HTTP
* Tiktok
2
Learn more about this provider
_tt_enable_cookie [x2]Used by the social networking service, TikTok, for
tracking the use of embedded services.
Expiry: SessionType: HTTP
* dotmailer-surveys.com
2
Survey-Started-*Tracks and identifies a respondent as they answer the
survey and records when the survey is complete.
Expiry: 1 yearType: HTTP
Survey-Started-477ed9203a0fc99f1auydc0bd77d61238d34Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
* platform.hireserve.com
1
__utmzGoogle Analytics cookie that tracks traffic sources & navigation.
Expiry: 1 yearType: HTTP
* r1.dotmailer-surveys.com
8
Survey-Started-10663d2bc12594964cnv07b45cc52c39956eTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-1560aeb28f06a04a4iaaf8aa7b4e3116b759Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-1603a316c406e6654mok8dc4c5ff7c6e61f2Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-3cb92ef58b49734b4hdv3e8bf61831b77f9eTracks and identifies
when survey has started
Expiry: 1 dayType: HTTP
Survey-Started-cd70e00f57d5298f3ftkff50e6c595b9670dTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-df476b5f8328828830l17ed70f7286760f8cTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-f7a626c634af6b713zgab9fd0f69683bde17Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
Survey-Started-f90db0e3883db8591jdzfab19492a2536295Tracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
* stepchangenews.org
1
Survey-Started-8b6a9e51992cad315hnhe1d6f7c613d6867dTracks and identifies a
respondent as they answer the survey and records when the survey is
complete.
Expiry: 1 dayType: HTTP
* Marketing 81
These are cookies are used to track visitors across websites, for example
from a Google search result through to our website. On pages we feature
content from third-party domains, e.g. videos from YouTube™. Interacting with
this content – playing one of our videos – will set third-party cookies
* Amobee
1
Learn more about this provider
uidCollects anonymous website data such as the number of visits, average
time spent on the website and what pages have been loaded, with the
purpose of displaying targeted ads.
Expiry: 180 daysType: HTTP
* Exponential
1
Learn more about this provider
ANON_IDCollects data on user visits to the website, such as what pages
have been accessed. The registered data is used to categorise the user's
interest and demographic profiles in terms of resales for targeted
marketing.
Expiry: 3 monthsType: HTTP
* Google
3
Learn more about this provider
IDEUsed by Google DoubleClick to register and report the website user's
actions after viewing or clicking one of the advertiser's ads with the
purpose of measuring the efficacy of an ad and to present targeted ads to
the user.
Expiry: 1 yearType: HTTP
pagead/landingCollects data on visitor behaviour from multiple websites,
in order to present more relevant advertisement - This also allows the
website to limit the number of times that they are shown the same
advertisement.
Expiry: SessionType: Pixel
_gcl_auUsed by Google AdSense for experimenting with advertisement
efficiency across websites using their services.
Expiry: 3 monthsType: HTTP
* LinkedIn
3
Learn more about this provider
bcookieLinkedIn cookie for tracking the use of share buttons.
Expiry: 2 yearsType: HTTP
bscookieLinkedIn cookie for tracking the use of share buttons.
Expiry: 2 yearsType: HTTP
lidcLinkedIn cookie used where there is a social media sharing button.
Expiry: 1 dayType: HTTP
* Microsoft
4
Learn more about this provider
MUIDUsed widely by Microsoft as a unique user ID. The cookie enables user
tracking by synchronising the ID across many Microsoft domains.
Expiry: 1 yearType: HTTP
MUIDBRegisters data on visitors from multiple visits and on multiple
websites. This information is used to measure the efficiency of
advertisement on websites.
Expiry: 1 yearType: HTTP
_uetsidCollects data on visitor behaviour from multiple websites, in order
to present more relevant advertisement - This also allows the website to
limit the number of times that they are shown the same advertisement.
Expiry: 1 dayType: HTTP
_uetvidUsed to track visitors on multiple websites, in order to present
relevant advertisement based on the visitor's preferences.
Expiry: 1 yearType: HTTP
* StepChange
8
Learn more about this provider
pixiePresents the user with relevant content and advertisement. The
service is provided by third-party advertisement hubs, which facilitate
real-time bidding for advertisers.
Expiry: SessionType: Pixel
_uetsidUsed to track visitors on multiple websites, in order to present
relevant advertisement based on the visitor's preferences.
Expiry: PersistentType: HTML
_uetsid_expContains the expiry-date for the cookie with corresponding
name.
Expiry: PersistentType: HTML
_uetvidUsed to track visitors on multiple websites, in order to present
relevant advertisement based on the visitor's preferences.
Expiry: PersistentType: HTML
_uetvid_expContains the expiry-date for the cookie with corresponding
name.
Expiry: PersistentType: HTML
test_cookieUsed to check if the user's browser supports cookies.
Expiry: 1 dayType: HTTP
ads/ga-audiencesUsed by Google AdWords to re-engage visitors that are
likely to convert to customers based on the visitor's online behaviour
across websites.
Expiry: SessionType: Pixel
ar_debugChecks whether a technical debugger-cookie is present.
Expiry: SessionType: HTTP
* Teads
2
Learn more about this provider
tfpaiRegisters data on visitors from multiple visits and on multiple
websites. This information is used to measure the efficiency of
advertisement on websites.
Expiry: SessionType: HTTP
tfpsiRegisters user behaviour and navigation on the website, and any
interaction with active campaigns. This is used for optimizing
advertisement and for efficient retargeting.
Expiry: SessionType: HTTP
* Tiktok
6
Learn more about this provider
tt_appInfoUsed by the social networking service, TikTok, for tracking the
use of embedded services.
Expiry: SessionType: HTML
tt_pixel_session_indexUsed by the social networking service, TikTok, for
tracking the use of embedded services.
Expiry: SessionType: HTML
tt_sessionIdUsed by the social networking service, TikTok, for tracking
the use of embedded services.
Expiry: SessionType: HTML
_ttp [x3]Used by the social networking service, TikTok, for tracking the
use of embedded services.
Expiry: SessionType: HTTP
* YouTube
39
Learn more about this provider
CONSENTUsed to detect if the visitor has accepted the marketing category
in the cookie banner. This cookie is necessary for GDPR-compliance of the
website.
Expiry: 2 yearsType: HTTP
LAST_RESULT_ENTRY_KEYUsed to track user’s interaction with embedded
content.
Expiry: SessionType: HTTP
LogsDatabaseV2:V#||LogsRequestsStorePending
Expiry: PersistentType: IDB
nextIdUsed to track user’s interaction with embedded content.
Expiry: SessionType: HTTP
PREFGoogle cookie that is used to keep statistics of how the visitor uses
YouTube videos across different websites.
Expiry: 8 monthsType: HTTP
remote_sidNecessary for the implementation and functionality of YouTube
video-content on the website.
Expiry: SessionType: HTTP
requestsUsed to track user’s interaction with embedded content.
Expiry: SessionType: HTTP
TESTCOOKIESENABLEDUsed to track user’s interaction with embedded content.
Expiry: 1 dayType: HTTP
VISITOR_INFO1_LIVEYouTube cookie used as a unique identifier to track
viewing of videos
Expiry: 180 daysType: HTTP
VISITOR_PRIVACY_METADATAPending
Expiry: 180 daysType: HTTP
YSCYouTube cookie used to keep statistics of what YouTube videos you have
seen.
Expiry: SessionType: HTTP
yt.innertube::nextIdRegisters a unique ID to keep statistics of what
videos from YouTube the user has seen.
Expiry: PersistentType: HTML
ytidb::LAST_RESULT_ENTRY_KEYStores the user's video player preferences
using embedded YouTube video
Expiry: PersistentType: HTML
YtIdbMeta#databasesUsed to track user’s interaction with embedded content.
Expiry: PersistentType: IDB
yt-remote-cast-availableStores the user's video player preferences using
embedded YouTube video
Expiry: SessionType: HTML
yt-remote-cast-installed [x4]Stores the user's video player preferences
using embedded YouTube video
Expiry: SessionType: HTML
yt-remote-connected-devices [x4]Stores the user's video player preferences
using embedded YouTube video
Expiry: PersistentType: HTML
yt-remote-device-id [x4]Stores the user's video player preferences using
embedded YouTube video
Expiry: PersistentType: HTML
yt-remote-fast-check-period [x4]Stores the user's video player preferences
using embedded YouTube video
Expiry: SessionType: HTML
yt-remote-session-app [x4]Stores the user's video player preferences using
embedded YouTube video
Expiry: SessionType: HTML
yt-remote-session-name [x4]Stores the user's video player preferences
using embedded YouTube video
Expiry: SessionType: HTML
* google.com
stepchange.org
2
NID [x2]Google cookie used to identify a returning user's device and can
be used for targeted ads.
Expiry: 6 monthsType: HTTP
* r1.dotdigital-pages.com
5
responder-VD3-14Q9Used to enable the contact form functionality.
Expiry: SessionType: HTTP
responder-VD3-15NAUsed to enable the contact form functionality.
Expiry: SessionType: HTTP
responder-VD3-161YUsed to enable the contact form functionality.
Expiry: SessionType: HTTP
responder-VD3-KUUPending
Expiry: SessionType: HTTP
responder-VD3-LRBUsed to enable the contact form functionality.
Expiry: SessionType: HTTP
* r1.dotdigital-pages.com
stepchangenews.org
2
__cf_bm [x2]This cookie is used to distinguish between humans and bots.
This is beneficial for the website, in order to make valid reports on the
use of their website.
Expiry: 1 dayType: HTTP
* r1.dotmailer-surveys.com
2
Survey-d45bc207e81995362xghbe691e0ae466bf17Used to enable the contact form
functionality.
Expiry: 1 yearType: HTTP
Survey-Started-d45bc207e81995362xghbe691e0ae466bf17Used to enable the
contact form functionality.
Expiry: 1 dayType: HTTP
* stepchangenews.org
3
respondentidVD3-OH4Pending
Expiry: 30 daysType: HTTP
respondentidVD3-OH4countUsed to enable the contact form functionality.
Expiry: SessionType: HTTP
responder-VD3-OH4Used to enable the contact form functionality.
Expiry: SessionType: HTTP
* Unclassified 0
Unclassified cookies are cookies that we are in the process of classifying,
together with the providers of individual cookies.
We do not use cookies of this type.
Cross-domain consent8 Your consent applies to the following domains:
List of domains your consent applies to: moneyhealthcheck.stepchange.org
start.stepchange.org advice.stepchange.org security.stepchange.org
jobs.stepchange.org wellbeing.stepchange.org onlinedmp.stepchange.org
www.stepchange.org
Cookie declaration last updated on 04/10/2023 by Cookiebot
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WE CAN HELP YOU BE FREE FROM DEBT
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We treat you as an individual
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HOW WE HELP YOU
* GET DEBT ADVICE
We'll ask you about your current situation so we understand what help is
right for you.
* WE'LL GIVE YOU A PLAN TO DEAL WITH YOUR DEBTS
You'll get tailored advice based on your circumstances.
* TAKE IT AT YOUR OWN PACE
You can always take a break and come back later.
Learn more about how we help
* "THE ADVISORS WERE REALLY FRIENDLY"
"StepChange have helped me in an unbelievable way." Jamie, Mid Glamorgan
* "STEPCHANGE WON'T JUDGE YOU"
"We’re all human, we all mess up. But they are there to help and they won’t
judge you." Sarah, Merseyside
* "STEPCHANGE ARE A LIFESAVER"
"The debt management plan has given me peace of mind and helped with my
mental health." Matt, Norfolk
Worried about mortgage payments or a fixed rate coming to an end? Together, we
can look at your situation and explain which options could be right for you.
Read our homeowner debt guide.
WHAT IS DEBT ADVICE?
We work out a budget with you, give guidance and recommend the best debt
solution for you. Watch our video.
Click for sound
1:11
NOT SURE WHERE TO START?
You can find what kind of help you need by answering a few quick questions.
It will only take two minutes.
Find the right help
A WIDE RANGE OF DEBT SOLUTIONS AND SERVICES
Whether it's to pay back what you owe with payments you can afford, write off
your debts, or if all you need is some time and space to sort out your finances,
we have the solution.
* Debt management plan (DMP)
* Individual voluntary arrangement (IVA)
* Debt relief order (DRO)
* Bankruptcy
* Equity release
* Debt Arrangement Scheme (DAS)
* Sequestration bankruptcy
* MAP bankruptcy
* Protected trust deed
* Breathing Space
* Mortgage advice
* Online debt calculators
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Our advice is completely free and impartial
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We have 30 years' experience
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More than 13,000 5-star Feefo ratings
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We've helped over 7.5 million people in the UK
FREQUENTLY ASKED QUESTIONS
* I CANNOT PAY MY ENERGY BILLS. CAN YOU HELP ME?
To avoid your supply being cut off, we can work with you on a plan to pay
back what you owe.
If there is no way for you to do that we will look at other ways to deal with
your debts. Read our guide about gas and electricity bills.
* CAN I WRITE OFF DEBT?
Sometimes you can do this. It could be that it would take you a very long
time to pay what you owe. In this case you could apply for a solution that
writes off some or all your debt. But you must get debt advice before doing
this.
In some cases, the people you owe money to may choose to write off the debt.
It depends what you are dealing with.
Find out if you can write off debt and how it works.
* IS DEBT CONSOLIDATION RIGHT FOR ME?
If you have a poor credit history, you are more likely to be offered loans
and credit to consolidate debt. This could be because you have missed
payments or have County Court judgments (CCJs).
These types of credit often have a higher rate of interest which must be
paid. Because of this, consolidation may not be the best option for you.
Using a credit card or loan that could cost you a lot means you are at risk
of more money problems in the future.
Find out more about debt consolidation.
* I URGENTLY NEED HELP WITH MONEY FOR FOOD AND BILLS. CAN YOU HELP?
It may seem like there’s no help. But there is a range of support available.
Trust funds, credit unions, councils, energy companies, the government and
charities all offer ways to help.
And we can work with you on your budget so you can afford your bills. We also
work with partners who can give you more support where you need it.
Find out how to get emergency help.
* HOW DO I MAKE A BUDGET?
Making a budget is the first step towards taking control of your finances and
getting back on track.
This helps you to see where your money is going. And that makes it easier to
make sure you have covered all the things you need to pay for. When you come
to us for debt advice, we will work out your budget with you.
Watch our video guide: Making a budget.
* HOW DO I DEAL WITH BAILIFFS CHASING ME FOR MONEY I OWE?
It’s important to know what your rights when dealing with bailiffs,
or Sheriff officers.They should write to you before coming to your home. If
they visit you there are lots of rules about what bailiffs can and can’t do.
A debt collector is not always a bailiff. Bailiffs have special legal powers
to collect a debt.Find out how debt collection works.
* WHAT HAPPENS IF I CANNOT PAY MY RENT OR MORTGAGE?
If you don’t deal with your rent arrears: Your landlord or letting agency
could take steps to evict you. But you can take steps to avoid this.
If you don’t deal with mortgage arrears: Your lender could look into
repossessing your home. This will happen as a last resort.
You should work out how much you can afford to pay. We can help you put
together a budget to do this. You then use this budget to offer to pay what
you owe at a rate you can afford. Share your budget with the lender or
landlord so they can see you are paying as much as you can. You must keep to
the new payment plan they have agreed to.
CONTINUE DEBT ADVICE
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OUR DEBT SOLUTIONS
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* Equity release
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Foundation for Credit Counselling, 123 Albion Street, Leeds, LS2 8ER trading as
StepChange Debt Charity and StepChange Debt Charity Scotland. A registered
charity no.1016630 and SC046263. It is a limited company registered in England
and Wales (company no:2757055). Authorised and regulated by the Financial
Conduct Authority (Firm Registration Number 729047)
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