Debt Solutions

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 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.

You can see a range of options available below.

Do you live in

If you live in Scotland a range of different solutions are available

See Scottish Solutions
Debt Management Plan

Debt Management Plan

A repayment plan which could help reduce your monthly payments.

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Debt Relief Order

Debt Relief Order

An alternative to bankruptcy if you owe less than £20,000, have a low income and few assets.

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Debt Consolidation

Debt Consolidation

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.

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A formal legal arrangement to write off debt you can’t afford to repay in a reasonable time.

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IVA - Individual Voluntary Arrangement


A legal agreement allowing you to repay a set amount to your lenders for (usually) 5 years before writing off any remaining debt.

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.

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.

Based on reviews - customers who left an Debt Advisory Centre review recommend us with an average rating of 4.8 out of 5 from 561 reviews left by Debt Advisory Centre customers (as of April, 2019)