Expert Debt Advice

Tell us a bit about your circumstances and we’ll call you to talk through all your options. No pressure. No jargon. Just expert help and advice.

Reduce your monthly payments

It'll take you longer to repay your debts, but you'll be able to afford your payments. Lenders don't have to agree to this: let us negotiate for you.

Stop demands from lenders

We're here to handle letters and phone calls. If they send you anything, just forward it to us. If they call you, just tell them to call us.

Freeze interest & charges

If your lenders don't agree to this, you'll pay more interest in the long run - but each payment will still be smaller. Let us negotiate with them for you.

If you don't stick to the payments you agreed when you borrowed money, this can damage your credit rating.

What our customers say

See what our customers say about how we've helped them.

Try our debt solution finder


How much do you owe?


To give you the best options we can, we need a few more details.

Found this page helpful?

How our expert debt advice could help you

Our debt advisors have helped thousands of people in a similar situation to you. If you dream of getting your debts under control, call us now and we'll talk you through the solutions available. We can help with most debt problems, depending on your circumstances. You could simplify your finances with debt consolidation, or you could lower your monthly payments with debt management. The part of your debt you can't afford could be written off on successful completion with an IVA. Why not try our debt solution finder to see which may be suitable for you?

We can help with most debt problems, depending on your circumstances. You could simplify your finances with debt consolidation, or you could lower your monthly payments with debt management. The part of your debt you can't afford could be written off on successful completion with an IVA. Why not try our debt solution finder to see which solution may be suitable for you?

Find out more about what we do

How our debt advice works

We will give you help tailored to your situation. We need to know how much debt you have, who you owe it to and how much you're currently spending on it, as well as your income and how much you spend on essentials. Then we can work out whether debt management, debt consolidation, an IVA, or bankruptcy would be suitable.

Learn about our range of debt solutions

Our help begins with a personal budget

We want to find affordable debt help for you, so our debt help begins with a budget and repayment plan that is designed to be acceptable to your lenders and affordable for you. Debt management, debt consolidation, or an IVA could only lower your repayments if they're really suitable for you.

First of all we'll go through your income and spending with you. This is important because one of the best things about entering into a debt solution with us is that we make sure you keep enough of your income for your priority bills. Your repayment plan would be based on your 'disposable income' - what you can afford once you've paid for all the essentials.

We will offer guidance if it looks like you're spending too much on non-essentials, because lenders expect you to pay as much as you can afford towards your debts. We'll tell you everything you need to include in your essential spending. Ultimately, we could tell you in the very first phone call whether one of our debt solutions would be suitable. You are under no obligation to take our advice or any other services offered. If you choose to enter a debt solution with us, you have the right to cancel the agreement at any point within the first 14 days. If you do, you will receive a refund of any fee paid to us.

You are under no obligation to take our advice or any other services offered. If you choose to enter a debt solution with us, you have the right to cancel the agreement at any point within the first 14 days. If you do, you will receive a refund of any fee paid to us.

Debt problems

We need to know if any of your debts are in a more serious situation than others. For example, if any of your lenders are already taking legal action against you, please tell us. It will help us work out which option is best for you.

When you enter a debt solution with us, we negotiate with your lenders on your behalf. We explain that you have taken debt advice, show them that the repayment plan we propose is what you can truly afford, and that our repayment plan should allow you to repay your debt in the shortest possible time.

If you decide to enter into debt management, an IVA or bankruptcy, you won't have to deal with your lenders any more. We will deal with all the paperwork and phone calls on your behalf, and we'll keep you updated on how things are progressing. They may still try to get in touch, but you can ask them to speak to us.

Read more about the debt help we offer below, including our range of debt solutions.

Learn more about debt solutions

Debt management

If, after you have received our debt advice, you choose to enter a Debt Management Plan, we do all of this:

  • We deal with your unsecured lenders on your behalf, whether you have two or twenty.
  • We’ll negotiate a repayment plan that lowers your monthly repayments to an affordable level. Of course, because you will be paying less each month, it will take you longer to repay your debts and your lenders may not accept this – but we'll explain your current circumstances to show them why this is the best approach.
  • We negotiate to freeze interest & charges. Again, lenders don't have to agree - and if they don't, making smaller payments will cost you more in the long run.

We create a personal budget for you, based on what you have told us and we use this to negotiate affordable repayments with your unsecured lenders. We can't guarantee that they will agree to lower payments, or to freeze interest and charges, but we'll do all we can to demonstrate why a Debt Management Plan is the right option for everyone involved - why it makes more sense than taking you to court, for example, or trying to make you bankrupt.

Once the repayment plan is agreed, we'll send it to you, detailing:

  • Your new, affordable monthly payment.
  • The fees payable for the service.
  • How long you can expect to be on a Debt Management Plan. Repaying your debts will take longer, but you'll be able to afford your payments.

You can arrange your Debt Management Plan from the comfort of your own home. You simply need to sign the appropriate documents that we send by post and we will organise everything else. You only need to send us one monthly payment, which includes our fee, and we'll distribute it to your lenders, as well as handling all the paperwork and phone calls to them.

Once you're with us, we'll handle all contact with your unsecured lenders. If they call you, just ask them to call us. If they send you letters, just forward them to us in our prepaid envelopes. Once you've given us permission to deal with your debts on your behalf, they can't refuse to talk to us unless they have a very good reason.

Be aware that lowering your repayments will affect your credit record for six years, and as you'll be repaying your debts for longer, you could pay more interest in the long run. Finally, keep in mind that it's only suitable if you cannot afford your current repayments - if you can, your lenders will certainly expect you to.

Learn more about Debt Management

You can read the terms and conditions of entering into a Debt Management Plan here.

Debt consolidation loan

If you have come to us for debt help and we think a debt consolidation loan is the right debt solution for you, you'll be able to:

  • Lower your monthly repayments (if you want to)
  • Repay all your unsecured debts in full, then make just one monthly loan payment.
  • Simplify your finances.

A debt consolidation loan is suitable for many people with multiple debts. If you consolidate all of them into one, you'll only have to worry about one monthly loan payment.

To successfully apply for a debt consolidation loan, you’ll almost certainly be a homeowner – and your loan will be secured against your property. So, you should think carefully before taking the loan out: are you confident that you will be able to afford the repayments as your home might be at risk if you don’t keep up with them.

And also remember, as with other kinds of loan:

  • You might have to pay a fee to the company that's arranging the loan
  • If you have a poor credit rating, you might pay a higher interest rate - or you might not be able to get a loan
  • The interest rate you pay might change, which can make it harder to figure out the total cost

Even so, a great thing about a debt consolidation loan is that it can free up money in your monthly budget by lowering your monthly repayments. This is usually done by spreading the repayments over a longer period. Just be aware that this could actually increase the amount of interest you repay overall.

Plus, debt consolidation can give you a clear idea of when you will clear your debt, helping you plan your finances more effectively.

Learn more about Debt Consolidation

IVA (Individual Voluntary Arrangement)

If our debt advisors suggest an IVA, or Individual Voluntary Arrangement, it could help you in the following ways:

  • Write off the part of your unsecured debt that you can't afford.
  • Freeze interest charges.
  • Lower your monthly repayments.
  • IVAs are not available to people living in Scotland.

If you decide to go ahead, an Insolvency Practitioner will create a repayment plan, known as an IVA proposal. This lays down the proposed terms of the IVA, including how much you could pay into it, based on your income and essential expenditure.

We'll then send this proposal to each of your lenders - if lenders who own 75% of your unsecured debt agree to it, it can go ahead. As you'd expect, lenders will want you to repay as much you can realistically afford - and no more. That means they won't approve your proposal if they think it leaves you with too much money for luxuries and non-essentials.

We can't guarantee they'll agree, but again, we will do all we can to demonstrate that it's the right option for both you and your lenders.

Please note: IVAs are not available to residents of Scotland. However, specific debt solutions are available north of the border. So our debt advisors will still be able to offer you real debt help.

Once the Individual Voluntary Arrangement is agreed, it can begin and your name will appear on the public Insolvency Register. An IVA usually lasts between five and six years and as long as you stick to your side of the agreement, any remaining unsecured debt included in the IVA will be written off once your IVA comes to a successful conclusion.

While you're on an IVA, you are protected from legal action by your unsecured lenders, but not by your landlord / mortgage provider, so it's vital you pay your rent or mortgage. If you are a homeowner, you may be asked to release equity by remortgaging in the 54th month of the IVA, but an IVA should not force the sale of your home.

Entering an Individual Voluntary Arrangement will affect your credit record for six years. This can make it more difficult to find a remortgage.

  • If you do find one, it might come with a higher interest rate.
  • If you don't find one, it doesn't mean your IVA will fail - it can be extended by 12 months, giving you time to make some extra payments instead of releasing equity.

Finally, IVAs are only suitable for people who can afford to make regular payments for the full term of the IVA, as it could lead to bankruptcy if it fails. So if an IVA's the right approach for you, we'll make sure your payments are realistic - and leave you with enough money for all your essential costs, from your mortgage or rent to food, clothing, utility bills, transport and so on.

Learn more about IVAs

You can read the terms and conditions of entering into an IVA here.


We can offer bankruptcy advice to you, whether your lenders are petitioning for your bankruptcy, or we think it's your best option. You could:

  • Write off the unsecured debts that you can't afford.
  • Be discharged from bankruptcy after 12 months.

Bankruptcy is a particularly serious debt solution, because it can have the biggest impact on your credit record and it can force the sale of your home and possessions, and strip you of any assets, like your pension and savings. You would also have to go to court and you would have a limited income during bankruptcy, because you would be expected to make monthly contributions that you can afford for up to three years.

Although bankruptcy is a serious step – and not one to be taken lightly – it is also fair to say that it can offer people ‘a light at the end of the tunnel’ if their debt is completely out of control. Bankruptcy could be successfully completed after 12 months, allowing a fresh start without the debts that caused the problems. During bankruptcy, you are given protection from your lenders, and afterwards, the debt that you cannot afford is written off. Bankruptcy does have a big impact on your credit rating for six years, is recorded on the Insolvency Register and will be advertised in the London Gazette (a newspaper for insolvency professionals). It could also affect your eligibility for some types of professional employment.

We can offer bankruptcy advice if we think it's suitable for you. Bankruptcy may be suitable if you really cannot afford to repay what you owe, you don't have many assets and if you think your financial situation isn't going to get any better in the foreseeable future.

Our debt advisors would only recommend bankruptcy after we have looked at other ways to help you out of debt. There are fees and court costs to be paid when you apply for bankruptcy, you can find details here. If you need to go bankrupt, but you cannot afford the fees, a Debt Relief Order (DRO) might be suitable.

Learn more about Bankruptcy

Debt Relief Order (DRO)

A DRO costs £90 to apply for and could write off any unsecured debt you can’t afford after 12 months. Our debt advisors would only recommend a Debt Relief Order (DRO) if you met the criteria set out by the Insolvency Service. It’s sometimes suitable for people who would have preferred to go bankrupt, but were unable to afford the fees. By entering into a DRO, your details would appear on The Insolvency Register until 3 months after it ends.

A DRO could:

  • Write off the debt you can’t afford after 12 months
  • Protect you from legal action from your lenders.

However, DROs aren't suitable for everybody. This debt help is only available for the people who really need it. To ensure this, the Insolvency Service has placed conditions on DRO applications.

To qualify for a Debt Relief Order you must have £15,000 or less of unsecured debt and assets that total £300 or less. That means homeowners can't apply, but you can own a car up to the value of £1,000.

Even if you're in this situation, another debt solution may still be an option if you have a reasonable amount of disposable income. If you have more than £50 available every month once you have paid for your essentials - like your mortgage / rent, your utilities, food and child care - you wouldn't qualify for a Debt Relief Order. The good news is you could still qualify for other help: debt management, for example.

DROs are available to residents of England, Wales and Northern Ireland. You cannot have had another DRO within the last six years and you cannot be going through any other form of insolvency when you apply. A DRO would affect your credit record for six years - borrowing can be more difficult during this time and it's an offence to borrow more than £500 without disclosing that you are subject to a DRO. You will remain liable to pay certain debts, such as student loans, fines and debts arising from family proceedings.

Fees & Key information

Find out more about the fees involved with each debt solution.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.


Money Advice Service

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Speak to one of our advisers on

0800 195 2714

We'll help find you the best solution to your debts

Advice you can trust

Read more