You’re in safe hands
Thanks for sharing your details with us. Now one of our experts will be in touch to discuss how you could:
- Write off all or a large portion of your debt
- Lower your monthly debt repayments
- Reduce the time spent worrying about your debt
Our 3 step process
Here’s what you can expect from our team.
Your personalised consultation
An advisor will contact you shortly to find out more about you and your financial situation.
We'll explore all of your options
Next, we’ll get to know you and guide you through all possibilities to help manage what you owe.
You decide how to move forward
Finally, when you decide on the best solution for your needs we'll recommend the best provider.
Trusted and ready to take you forward
We’ve helped over 250,000 people find a way to deal with their debt
5 ways debt advice could help
Talking about your situation might not be easy but can be the best way to find a solution to manage what you owe.
All our advice is tailored, that means you’ll have a personalised plan providing a clear roadmap to financial recovery.
Our experts can help you find a solution that will bring your debt worries to a an end on a specific date.
Finding a debt solution could allow you to combine several debt payments into one affordable monthly amount.
If you feel like you’re stuck in a cycle of debt, knowing what solutions are available can allow you to start looking forward, not back.
There is a solution for you, just like all the others we’ve helped over the last year
1,341
Trust Deeds
1,710
Debt Arrangement Schemes
4,230
Referred to charities
5,880
Individual Voluntary Arrangements
2,454
Debt Management Plans
2,374
Debt Relief Orders
Frequently asked questions
How much will it cost me to get advice from you?
You won’t pay a penny for the advice our debt specialists give you on the call. If you do qualify for a debt solution, the fees will be taken from the monthly amount you pay to your creditors. Everything’s covered, and we don’t take any money upfront. The last thing we want is you getting further into debt.
How do you know what solution is best for me?
Everyone’s story is different, and there are a lot of options, including IVAs, trust deeds and bankruptcy, as well as more informal plans. Once we carefully build up a picture of your situation, our advisors will take it step by step, so we can understand your concerns, and which of the available solutions would be the right fit for your situation. We’ll only proceed if you’re completely comfortable to go ahead.
What if I’m nervous about discussing my debts with someone?
That’s completely understandable, but be reassured, we’ll do everything we can to put you at ease. We don’t use complicated jargon, and we treat every customer as an individual, taking their unique circumstances into consideration before sharing our impartial advice. There’s nothing we haven’t dealt with; we speak with hundreds of customers every single day. We’re here to have an open and honest chat and try to build a picture to see what help and support we can give you.
Will creditors continue to contact me during the debt solution process?
It’s possible that creditors will continue to contact you during the debt solution process because it can take time for records to be updated, even once you’ve entered an arrangement. In time, however, creditors will be informed that you are in a live debt solution, and you will no longer have to deal with them directly or be pursued for payments.
How long does a debt solution last?
The length of a debt solution varies depending on the solution you choose. As an example, an Individual Voluntary Arrangement (IVA), the most popular UK debt solution, will typically last either five or six years, and any remaining unsecured debts will be written off upon successful completion of your payment term.
