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Review of the StepChange, Debt advice:

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Highly Recommend. Incredible Service

I highly recommend StepChange as they were incredibly helpful in my hour of need. After informing them of my income and expenditure, they told me what my affordable monthly payment to them would be. They sorted out all the paperwork that was needed and contacted all of my creditors so that I didn’t have to, thus creating less stress and helping my mental health. They were fantastic! If I have a query, I will contact them and everything is resolved. They are amazing. Their website is easy to navigate and changes can be made to reduce or increase your monthly payments, depending on your situation. All debts are in one place and you can check on the outstanding balances and how much you have paid to your creditors. Once a year you submit a new income and expenditure statement and StepChange will calculate your new monthly payment. You can always get in touch with them to discuss any problems or concerns or just to speak to them. They are always available and are very helpful, understanding, supportive and compassionate. I can’t recommend them enough. If you are struggling like I was, please get in touch, it’s a massive weight lifted off your shoulders and you will feel so much better. Also, if any of your creditors change the debt over to another company, i.e debt collection agency, StepChange are informed so you don’t have to worry about anything. I’ve had a couple which I have had to inform StepChange with regards to the new debt company’s bank details but other than that, they will contact StepChange to confirm everything. Nothing changes apart from the new name and bank details. Your monthly payment to them stays the same. When I get these letters, I always check my debt management plan to make sure the new debtor has been set up and a quick phone call to StepChange to confirm that this is in order. If in doubt, just phone them, they will put your mind at ease. Reviewed on: 4th June 2026

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