StepChange Debt Charity is the UK's largest debt charity, providing free, confidential, and impartial debt advice and solutions. Services include debt management plans, individual voluntary arrangements, and bankruptcy assistance. The charity targets individuals struggling with debt, offering tools like the "Breathing Space" scheme for temporary relief from creditors. Their unique selling proposition is providing comprehensive, free debt advice without charging clients, funded primarily by creditors through a "fair share" model. This approach ensures unbiased advice, making it accessible to those in need without additional financial burden.