StepChange Debt Charity, formerly the Consumer Credit Counselling Service (CCCS), is the trading name of the Foundation for Credit Counselling, and is a debt counselling charity in the United Kingdom. The organisation offers free debt advice and money management and can be contacted through its freephone telephone helpline or online through its online debt advice tool. In 2020, around half a million people contacted the charity for help. The charity also campaigns to change policies and practices that trap people in problem debt. Its current Chair is John Griffith-Jones, replacing Sir Hector Sants in January 2019. The Chief Executive of the charity is Phil Andrew, who took over from Mike O'Connor in November 2017. Services StepChange provides free debt advice to clients both over the telephone and through their online service. Clients have their financial situation evaluated, and receive a recommendation for one of a range of debt solutions, including Debt Management Plans and insolvency solutions, such as Individual Voluntary Arrangements or Bankruptcies. StepChange provides support for clients throughout the span of their debt solution, including regular revaluations. Since early 2021 the charity has also provided eligible clients opportunity to enter “Breathing Space”, allowing them to receive 60 days' respite from interest, fees, and court action to reduce stress and give them time to sort out a debt solution. StepChange Scotland, which operates under the differing Scottish system, provides specific services to Scottish clients. StepChange Scotland is an approved organisation for setting up debt payment plans through the Debt Arrangement Scheme (DAS). History The charity was founded in 1993 when Vic Ware OBE and Malcolm Hurlston introduced the Consumer Credit Counselling Service to the UK via a pilot scheme based in Leeds. The introduction of debt counselling over the telephone proved to be a success and the charity expanded throughout the late 1990s and early 2000s. The charity has continued to grow in recent years. In 2007 it established a non-profit individual voluntary arrangement service and in 2010 launched a free equity release advice service. On 5 November 2012 the charity rebranded as StepChange Debt Charity. In 2017 the charity was contacted by almost 620,000 people seeking debt help and delivered over 357,000 detailed debt advice sessions. By 2019 the number getting in contact had risen to 635,000, but in 2020 the charity saw a reduced number of only 500,000 people getting in touch, which it attributes to the support