Guiding you on your path to debt freedom.

Our expert FREE advice could help you:

✅ Write off Unaffordable debt

✅ Stop any Bailiff or Legal action

✅ One monthly payment

✅ All UK solutions available

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How it works...

Fill in the form

Complete the questionnaire so we know some basic details about you, and get a general sense of your situation.

Solutions

One of our advisors will run through each of the solutions you qualify for. They can do this over the phone, via SMS or WhatsApp.

Application

Your advisor will complete the application for your selected solution. We do all the hardwork so you don't have to.

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Our Solutions

Individual Voluntary Arrangement (IVA)

An IVA is a legally binding agreement that you reach with your creditors. Under an Individual Voluntary Arrangement, you pay an affordable monthly sum over a fixed period of time. This is usually 5 or 6 years. Any debt that remains after this point is written off.

Learn more

Debt Relief Order

(DRO)

A Debt Relief Order (DRO) is a formal and legally-binding debt solution available in England, Wales, and Northern Ireland.


It's designed for individuals facing overwhelming debt, but with little income or assets to their name.

Learn more

Debt Management Plan (DMP)

With a Debt Management Plan (DMP), you come to an informal agreement with your creditors to repay the money you owe. Our specialists will help you calculate how much you can afford and then you’ll make one set repayment per month. This money is divided between your creditors.

Learn more

Bankruptcy

(BKY)

Usually seen as a last resort, Bankruptcy is a legal process and a type of insolvency that writes off debts you can’t afford to repay. It may be suitable for you if you can’t repay the money you owe in a reasonable amount of time.

Learn more

Here's an example of how we can help

We offer advice on all debt solutions available to you, including Individual Voluntary Arrangements (IVAs). Here’s an example of how a debt solution could help.

Before an IVA

Total amount owed:

£22,468

After an IVA

Debt Written Off

£20,908

IVA Payments

Each month

£101

Before an IVA

Total amount owed:

£22,468

After an IVA

Debt Written Off

£16,400

IVA Payments

Each month

£101

*This example includes fees more info on our fees can be found here Fees

Here’s How We Helped


Mr & Mrs Evans...


Monthly outgoings were £857. They consolidated their credit cards, loans, and other credit commitments into one affordable monthly payment with a debt plan, and now only pay £112.

Monthly payments before              £1,157

Reduction after consolidation        £665

New affordable monthly payment    £492

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Expert, Professional Advice


Our qualified advisers are on hand to provide friendly advice and ensure you get the right solution, tailored to your needs.


UK Based


Our debt specialists in the UK will work with you to find your best option..


Over 30 Years’ Experience


We’re proud to have helped thousands people with their finances.

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Common Questions

  • Is a debt solution right for me?

    If you’re struggling with unsecured debt, such as credit cards, loans or utility bills, you may consider a debt solution to manage what you owe. It’s important to be aware that there are many solutions available, each with its own eligibility criteria.


    Before making a decision on entering any solution, it’s important to seek professional debt advice to find out more about each and ensure you choose the most suitable and sustainable solution for your situation.

  • Can a debt solution affect my credit rating?

    When considering a debt solution it’s important to be aware it will likely adversely affect your credit rating as it will show on your credit report for six years after it has been approved.


    However, it’s important to note your credit score will likely already have been affected by being in debt in the first place.

  • Will entering a debt solution affect my job?

    In most cases entering a debt solution won’t affect employment. However, in certain professions, such as accountants and solicitors, having a formal arrangement in place may mean that you can no longer practice or you may only be able to practice under certain conditions. An advisor will be able to discuss this in more detail.

  • How can a debt solution change my life?

    Entering into a debt solution can be a positive way to manage your debt and finances.


    Many debt solutions offer the opportunity to combine several debt repayments into one monthly payment, based on your affordability.


    An advisor will discuss all considerations with you before you make the decision to enter a solution.

  • What fees apply?

    All of our initial advice is free; however, fees will apply should you decide to enter into an arrangement.



    We operate a transparent fixed fee model, which incorporates the Nominee Fee, Supervisory Fee and all costs and expenses associated with the arrangement.



    Fees will be taken from your monthly payment or asset realisations paid into your arrangement.



    These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.

  • What services do you offer?

    We offer free debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you. Although we offer advice on all debt help solutions available, we specialise in Individual Voluntary Arrangements (IVAs).

  • What are the disadvantages of an IVA?

    When you’re considering entering an IVA, it’s important to be aware of the following:



    • If you are a homeowner and your property has equity in it, you’ll need to try to re-mortgage which could result in an increased interest rate.
    • Your credit rating will be affected.
    • Only the unsecured debts included in your IVA will be written off at the end of the agreement.
    • Your IVA will be recorded on a public register.

     


    This isn’t an exhaustive list of considerations to be aware of before deciding to enter an IVA. An advisor will ensure you’re aware of the advantages and disadvantages to help you make an informed decision.

  • Is an IVA suitable for me?

    An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates alegally binding agreement between you andthe people you owe money to. You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt youcurrently have but can repay some.

Tips & Advice

How to improve your credit score after an IVA

March 22, 2024
If you’re struggling with significant levels of debt, an Individual Voluntary Arrangement (IVA) is one option to regain control of your finances. However, the lasting impact of an IVA on your future financial health, and in particular your credit score, do need to be seriously considered before entering into the IVA process. In this guide, we explore to what extent an IVA can impact your credit rating. We also provide our top tips for rebuilding and improving your credit score after completing your IVA.

Are gambling debts enforceable?

March 21, 2024
For many, gambling is a harmless hobby, but for others, the allure of this pastime can lead individuals down a path of financial hardship, resulting in accumulated debts. According to a 2022 study by Citizens Advice, 18% of people who regularly gambled online were in significant gambling debt. That equated to 3.3 million people. This statistic has raised an interesting legal question in recent years – when significant debts arise from gambling, are these debts always enforceable under UK law? And connected to this, if they are, what are the potential legal ramifications you can face if you find yourself unable to pay your gambling debts? In this guide, we explore the legal aspects surrounding gambling debts in the UK. This will include the issue of enforceability, as well as outlining to what extent a partner or spouse is legally liable for their other half’s gambling debts. Finally, we also provide our top tips for getting out of gambling debt.

What happens at the end of an IVA?

March 21, 2024
Individual Voluntary Arrangements (IVAs) typically take between five and six years to complete. When you first enter into your IVA, the end of the tunnel can feel a lifetime away. However, the truth is, if you stick to your IVA terms and conditions, time can fly by. That’s why it can be helpful to know exactly what to expect when you come to the end of your IVA, so you can prepare for the process to be formally completed. In this guide, we explore exactly what happens when an IVA is completed. This will include explaining what an IVA Certificate of Completion is and looking at whether or not IVAs can be paid off early.

Spring Budget 2024: What it means for your finances

March 21, 2024
Chancellor Jeremy Hunt has confirmed a 2p reduction in National Insurance during his Budget speech to members of Parliament. This announcement comes as part of the final budget before the anticipated general election later this year. The budget introduces a series of steps designed to assist families facing financial challenges, such as freezing fuel duty tax and continuing the Household Support Fund for an additional year.