There are a range of solutions to help you get debt free, but it can be difficult to understand what to do.
How can we help you?
It doesn't matter how bad you think your situation is, we can help.
Because for every problem, there's always a solution.
We offer you expert advice and help to find the solution which best suits your situation – we have over 20 years’ experience of helping people in debt.
We'll make sure your repayments are realistic and will get you out of debt in the shortest possible time.
We'll support you every step of the way; we'll even deal with all the letters, emails and phone calls from your lenders.
Talk to us
Talk to a debt expert to find out what your options are.
We'll explain your options and recommend a solution that’s right for you. Fees may be payable if we provide continuing services. If you repay any debt over a longer period of time this may increase the total amount to be repaid and your credit rating may be affected. Lenders are not obliged to accept less than contractual payments or freeze interest and charges. You can read more about “Fees and Key Information” here.
Debt solutions and advice
There are many different types of debt help and every situation will require a different solution. The right answer for you will depend on many different factors, it may even depend on where you live.
You can find Government guidance on dealing with your creditors here.
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.
You can see a range of options available below.
If you live in Scotland a range of different solutions are availableSee Scottish Solutions
An alternative to bankruptcy if you owe less than £20,000, have a low income and few assets.Read More
A way to help get your debt under control that combines multiple existing debts into one - that could help you to reduce your monthly debt repayments.Read More
A formal legal arrangement to write off debt you can’t afford to repay in a reasonable time.Read More
We understand you’re worried
We know debt isn't just a finance issue. It feeds into all elements of your life. When you are worried about your debt and it starts to get you down or is making your life difficult - it’s time to get help.
Did you know...
Along with the worry of deciding whether to pay your household bills before your debts or vice versa, struggling with debt often leads to loss of sleep, anxiety and stress and can cause tension or arguments between you and your loved ones.
Your debt may have grown from being small and manageable into something that now feels like it’s totally out of your control, but now it’s important to know help is available. Talk to us, so we can help you tackle your debt and the associated worry and stress.
By talking about your problem you share the burden of worry and help to reduce feelings of stress.
people in debt have sought medical advice for debt-related illness
people believe their debt problems have made their relationship with their family get a ‘little worse’ or a ‘lot worse’
We’re here to help
Our expert debt advisors have helped thousands of people in a similar situation to you. We'll listen and do not judge - we're here to help you.