We could help you get debt free...
We'll help to reduce your monthly repayments, deal with lender's letters, emails & calls
We've helped 400,000+
people with debt advice & support
20+ years experience
& find the most suitable solution for you
Debt SolutionsView Scottish Solutions
Debt Management Plan (DMP)
If you are struggling with debt a Debt Management Plan could help you reduce your monthly payments
Individual Voluntary Arrangement (IVA)
An Individual Voluntary Arrangement is a legal agreement to repay a set amount to your lenders
Debt Relief Order (DRO)
For people with a low income and few assets, a DRO could be an alternative to bankruptcy
A legal arrangement that writes off the debt you can't afford to repay
If you live in Scotland a range of different solutions are available
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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Answer a few questions online
Makes sense of your money
Get advice to find the right debt solution
Why the Debt Advisory Centre?A problem shared
Every 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 recommendation
We’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 track
We 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.
Real people, real help
Find out from our customers what it's like to feel in control of your debt
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.
Take action today
One call can change everything
We will offer advice, support and a solution
We've helped 400,000+
people with advice and support
We listen and find the right solution for you