Advice on your debts

Expert help from Debt Advisory Centre

We provide a range of solutions that could help you get your finances back on track.

Find a way out of debt

Every month we help thousands of people get back on top of their debts. No matter how much debt you're in, we could help you find a solution. All you have to do is call us on 0800 970 7724.

Try our debt solution finder

Our simple debt solution finder (on the right) will tell you which debt solutions could help you, based on your circumstances.

What happens next:

An award-winning organisation

Debt solution finder

£2,000

How much do you owe?

£,000

£50,000+ Your location Employment status Number of creditors Residential status

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

First name Surname Telephone number Email address Privacy policy

I agree to the privacy policy

Free downloadable guides

Insolvency Service guide - In Debt? Download

Download our helpful budgeting tool Download

What our customers say

The manner in which we were dealt with over the phone by our advisor was exemplary. Thank you to all your staff for easing the pain.

Mrs. J. H.

How do we help you?

Our service to you starts from the day you call us to the day you make that final payment. Once we've helped you find the best way of tackling your debts, we'll keep in touch to make sure everything's running smoothly.

Find out more about what we do

Get help with your lenders

Letters and phone calls from your lenders can be frightening, but one of our debt solutions could help you put a stop to their demands. We'll talk to your lenders about making your repayments affordable again, so you don't have to.

Learn about our range of debt solutions

Debt management plan

If your debt repayments have become unaffordable, a debt management plan could relieve the pressure by reducing your unsecured debt repayments to an affordable level. Interest and charges may be frozen, reducing the overall amount to be paid and making sure that more of each payment you make goes towards your actual debt.

Learn more about debt management

Debt consolidation loan

If you have a number of debts and want to make them easier to repay, a debt consolidation loan could help you do just that. By paying off existing debts with your new loan you'll be left with just one debt to manage - and you could even reduce your monthly repayments.

Note: Think carefully before securing any debts against your home, as failing to keep up with your payments could lead to repossession. Consolidating your debts can also increase the total to be repaid if you extend your repayment period.

Learn more about debt consolidation loans

IVA (Individual Voluntary Arrangement)

An IVA could help you if your debts have become completely unaffordable. As long as you agree to repay as much of your unsecured debts as you can for a fixed period (normally five years), the rest of those debts will be written off on successful completion.

Learn more about IVAs