Stepchange is a debt service provider that acts as a debt management company in the United Kingdom, offering a variety of debt services such as IVA, Debt consolidation loan, and Debt relief order, as well as services such as Bailiff protection and legal action against you. There are financial ties to the service provider in providing debt relief for the respective. When it comes to debt management, certain factors must be considered, some of which are as follows: Understanding the correct debt management plan Creating a budget Take the right chance for your debt solution Understanding the correct debt management plan Finding and understanding the correct debt management plan is the best option to consider if you are looking for a debt management solution some of them are: IVA(Individual voluntary agreement) Debt consolidation loan Insolvency and bankruptcy Debt relief order as well as Debt solution related and associated only for the Scotland which includes solutions like Debt sequestration, Protected Trust deed, It becomes uttermost important for the debt solution seeker to understand that selecting the right debt management plan is essential and it requires the right understanding before going for any debt plan for this purpose IPS or debt management companies are there who provide services like IVA online for the sake of helping folks respectively.