If you are dealing with increasing debt, missed payments, or pressure from creditors, you are not alone. Thousands of people across the UK are currently looking for a way to regain control of their finances.
At Debt Step Change Global, we help you explore the most suitable way to deal with your debt. Depending on your situation, you may be able to reduce your monthly payments, freeze interest, or write off a portion of what you owe.
We connect you with authorised UK debt solution providers offering:
Our process is simple, free, and there is no obligation.
Answer a few questions about your debt, income and circumstances. Takes under 2 minutes.
We review your answers and identify which debt solutions you may be eligible for.
We connect you with authorised and regulated UK debt solution providers.
A formal legal agreement to repay a proportion of your unsecured debt. Can freeze interest and provide legal protection from creditors.
Learn about IVA →Repay your debts at a more affordable monthly rate. Avoid formal insolvency while managing your debt.
Learn about DMP →May be suitable if you have low income and minimal assets. Qualifying debts can be written off after a set period.
Learn about DRO →Combine multiple debts into one manageable monthly payment. May reduce your overall interest rate.
Learn about Consolidation →We help individuals across the West Midlands and beyond.
If you are dealing with debt that feels impossible to manage, you are far from alone. According to the Money Charity, total UK consumer debt stands at hundreds of billions of pounds, and millions of households are currently struggling with repayments. The cost of living crisis has pushed many ordinary people — people who were managing perfectly well just a few years ago — into financial difficulty they never anticipated.
The shame and stress that often comes with financial difficulty is real. Many people put off getting help because they are worried about judgment, about what might happen to their home, or simply because they do not know where to start. If that sounds familiar, read on — because the first thing you need to know is that there are formal, legal options designed specifically for people in your situation.
Getting the right help early almost always leads to better outcomes. The longer debt is left unaddressed, the more it tends to grow — through interest, charges, and the emotional toll it takes. Acting now, even just completing a free eligibility check, puts you back in control.
Takes under 60 seconds. No obligation. Confidential.
Debt Step Change Global is an independent introducer service. That means we are not a debt solution provider, a lender, a charity, or a government body. What we do is help you understand your options and connect you with the most suitable FCA-authorised provider based on your individual circumstances.
Think of us as the first step — a fast, free, and impartial way to find out where you stand. We assess your situation using a simple eligibility check, identify which solutions may be appropriate, and then introduce you to a regulated firm who will carry out a full assessment and provide proper advice.
There is no pressure, no obligation, and no cost to you for this service.
The right debt solution depends entirely on your personal circumstances — your income, the amount and type of debt you have, whether you are a homeowner, and other factors. Here is an overview of the main solutions we can connect you with:
An IVA is a formal, legally binding agreement between you and your creditors. You agree to repay what you can reasonably afford each month over a fixed period — typically 5 to 6 years. At the end of a successful IVA, any remaining qualifying unsecured debt is written off. Once your IVA is in place, your creditors cannot continue to chase you for money, add interest, or take legal action.
IVAs are typically suitable for people with over £5,000 of unsecured debt, two or more creditors, and a regular income. They are one of the most commonly used debt solutions in the UK because they offer a clear end date and genuine debt reduction. Learn more about IVAs →
A DMP is an informal arrangement managed by a third party on your behalf. Your monthly payment is calculated based on what you can genuinely afford, and this is distributed among your creditors. While a DMP does not write off debt and is not legally binding, many creditors will agree to freeze or reduce interest during the plan.
DMPs are suitable for people who can afford some repayment but not at current levels, and who want to avoid formal insolvency proceedings. Learn more about DMPs →
A DRO is a formal insolvency solution for people with low income, minimal assets, and debts below a qualifying threshold. Once a DRO is in place, creditors cannot take action against you for the 12-month moratorium period. If your financial situation has not significantly improved after 12 months, all qualifying debts are written off.
DROs were specifically designed to help people who are struggling but do not have sufficient income or assets to pursue other solutions like an IVA. Learn more about DROs →
Debt consolidation involves combining multiple debts into a single loan or repayment plan. This can simplify your finances, potentially reduce your overall monthly outgoings, and give you a clearer path to becoming debt-free. It does not write off debt, but it can make managing debt significantly easier. Learn more about debt consolidation →
Takes under 60 seconds. No obligation. Confidential.
The people we help most are those who are dealing with one or more of the following. If any of these sound familiar, our free check could help you understand your options within minutes.
Juggling minimum payments across multiple credit cards, watching the balances barely move despite paying each month.
Missing payments on personal loans or finding that your monthly repayments are taking more than you can comfortably afford.
Receiving letters, phone calls, or threats from creditors or debt collection agencies — and feeling like there is no way out.
Concerned that debt could put your home at risk, or unsure how different solutions might affect your property.
Already have County Court Judgements or defaults registered and wondering what options are still available to you.
Struggling with a combination of personal and business debt as a sole trader or self-employed individual.
Whatever your situation, the important thing is to take action. Our free check takes under 60 seconds and could be the first step towards genuine financial relief.
Check What You Qualify For →We do not say this to frighten you — we say it because understanding the consequences of inaction is genuinely important. Debt that is ignored rarely improves on its own. Here is what can happen if debt is not addressed:
The earlier you take action, the more options you are likely to have available. Many of the formal debt solutions available in the UK — including IVAs and DROs — provide legal protection from creditor action once they are in place. That protection begins at the point the solution is agreed.
Takes under 60 seconds. No obligation. Confidential.
We want you to know exactly what to expect when you use our service. There are no surprises, no hidden steps, and no obligation at any point.
Answer 8 short questions about your debt, income, employment and circumstances. This takes under 60 seconds and is completely free. Your information is kept strictly confidential.
We review your answers and assess which debt solutions you may be eligible for based on the information you have provided. We use a simple scoring system to identify the best potential match.
We connect you with an FCA-authorised and regulated UK debt solution provider. They will contact you to carry out a full, detailed assessment of your circumstances and advise on the most appropriate solutions.
The provider will explain all of your options, the implications of each, and all associated fees clearly before you commit to anything. You are under no obligation to proceed.
You decide whether to proceed. The choice is entirely yours. We never pressure anyone into taking action they are not comfortable with.
Debt solutions such as IVAs and DROs are formal insolvency processes. They will appear on your credit file and affect your ability to obtain credit for a period of time. Not all debt solutions are suitable for everyone. The right solution depends on your individual circumstances and will only be determined after a full assessment by a qualified provider.
Your home may be at risk if you do not maintain repayments on a mortgage or debt secured against it. Always ensure you understand the full implications of any debt solution before proceeding.
Check what debt solutions you may qualify for. Free, confidential, no obligation.