If you owe £6,000 or more and are struggling with repayments, you could legally write off a significant portion — with just one affordable monthly payment. We connect you with FCA-authorised UK debt experts who can help.
Free, no-obligation check · Won't affect your credit score · Takes 2 minutes
Based on an actual case completed in 2024
Monthly payments based on individual income & expenditure. Results vary.
May not be suitable in all circumstances. Entering into an IVA will affect your credit rating. Fees may apply.
No jargon, no pressure — just honest guidance from advisors who genuinely want to help.
Tell us about your debts using our simple online form. It takes under 2 minutes and has no impact on your credit score whatsoever.
One of our FCA-authorised debt advisors will call you to go through your options in plain English — no pressure, no sales tactics.
We'll recommend the right debt solution for your situation. If you're happy to proceed, we'll handle everything on your behalf.
Every situation is different. We'll help you find the solution that's genuinely right for your circumstances.
A legally binding agreement between you and your creditors. Write off unaffordable debt with one affordable monthly payment over 5–6 years. Available in England, Wales & Northern Ireland.
Make one reduced monthly payment distributed to your creditors. No formal insolvency on your record — a more informal route to getting back on track.
If you owe under £30,000 and have little income or assets, a DRO could write off all eligible debts after just 12 months. A low-cost alternative to bankruptcy.
The Scottish equivalent of an IVA. If you live in Scotland and owe over £5,000, a Protected Trust Deed can write off a substantial portion of your unsecured debt.
Combine multiple debts into one manageable monthly repayment, potentially at a lower rate. Best suited to those with a reasonable credit history who want to simplify their finances.
A last-resort option that can clear most debts, typically within 12 months. Our advisors will only recommend bankruptcy if it's genuinely the best solution for your circumstances.
Takes 2 minutes · No credit check · Speak to an expert the same day
Growform Embed Goes Here
Replace this block with your Growform embed snippetMost UK residents struggling with debt qualify for at least one solution. Here are the most common criteria.
Most formal solutions require a minimum debt level, though options like DMPs may be available for smaller amounts.
IVAs and DMPs work by combining payments to multiple creditors into one manageable monthly amount.
If your monthly debt repayments are causing financial hardship, you are likely eligible for significant relief.
Solutions are available across England, Wales, Scotland, and Northern Ireland. Different options apply in Scotland.
Employed, self-employed, or receiving benefits — as long as you have some income, there's likely a solution for you.
The most important thing is wanting to take control. Our advisors will handle the rest — no judgement, ever.
Thousands of UK families have reclaimed their financial lives. Here's what some of them had to say.
"I was drowning in debt and too embarrassed to talk about it. The team were so non-judgemental and walked me through everything clearly. I now pay £110 a month instead of £680."
"It was the best decision I've ever made. Within a week, everything was sorted and my phone stopped ringing. I genuinely feel like I can breathe again."
"The advisor explained every option clearly and never once pushed me. I went with a Debt Management Plan and it's completely transformed our family finances."
Debt can feel overwhelming. Here are honest answers to the questions we hear most often.
It takes 2 minutes to check your eligibility. Free, confidential, and with no obligation to proceed.
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