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We've helped 400,000+
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Debt Solutions
View Scottish SolutionsDebt Management Plan (DMP)
If you are struggling with debt a Debt Management Plan could help you reduce your monthly payments
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Individual Voluntary Arrangement (IVA)
An Individual Voluntary Arrangement is a legal agreement to repay a set amount to your lenders
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Debt Relief Order (DRO)
For people with a low income and few assets, a DRO could be an alternative to bankruptcy
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Bankruptcy
A legal arrangement that writes off the debt you can't afford to repay
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If you live in Scotland a range of different solutions are available
Scottish solutions
To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.
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Why the Debt Advisory Centre?
A problem sharedEvery debt problem is solvable - but there are many solutions.
We'll listen to you and understand your situation to offer a practical solution to help you.
Why the Debt Advisory Centre?
Expert advice and recommendationWe’ll look at all of your options before we make a recommendation that’s right for you.
We’ll make sure your personalised plan puts you back in control.
Why the Debt Advisory Centre?
Your life back on trackWe can arrange everything for you – dealing with lenders, their letters, emails and calls.
We’ll help you start afresh, get your debt under control and get your life back on track.
Fees may be payable if continuing services are provided. Repaying debt over a longer time may increase the total amount to be repaid. Credit rating may be affected. Read about Fees and Key information.
Lenders are not obliged to accept less than the contractual payments, freeze interest and charges or stop further enforcement action.
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When I look back on how I am now - it's fine. I can breathe, I can be me again and just get out and enjoy my life.
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We've helped 400,000+
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