Our Income Advisor is not a debt advisor. However, we will support in any way we can….

There are a number of debt management companies out there that charge you. We don’t agree with this. Therefore, we recommend the following organisations:

StepChange Debt Charity – Tel: 0800 138 1111

The service is available over the phone or through a confidential online tool StepChange Debt Remedy.  The charity has over 20 years’ experience offering free, impartial debt help. They have grown into the UK’s leading debt charity offering free debt advice and a range of specialist solutions to anyone in the UK with debt problems.


Illustration of a family of owls


StepChange Debt Charity has already helped thousands of people in the UK by providing debt help, budgeting advice and, where appropriate, fee-free debt management to repay debts.

StepChange Debt Charity aims to point more people in need of help toward the safe haven of its free, efficient and compassionate service. They can offer such organisations a bespoke and recognisable gateway to StepChange Debt Remedy for their website.

Payplan – Tel: 0800 280 2816

What Payplan do for you – Once all priority costs are accounted for, any surplus money can be used towards a debt management scheme.

With any of the above schemes, if your eligible for a debt management plan, they will:

  • Deal with your creditors for you
  • Negotiate for frozen interest and charges
  • Distribute your money to your creditors
  • Provide you with online access to your account
  • Advise on court action taken by your creditors.

The Money Wise team are your first port of call to get the practical support, guidance or information you need to get the most out of life.  They can be contacted on:

Money Wise – 01282 686300 or moneywise@calico.org.uk