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How much do you owe?

How many debts do you have?

How much can you pay per month?

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2/6 Are you behind on bills?
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3/6 What is your credit rating?
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4/6 What is your employment status?
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Where do you live?
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you may qualify to

Monthly payments can only be determined once an income and expenditure has been completed with an advisor. Depending on the solution entered into, a percentage of your debts could be written off. How much will depend on the programme and your unique financial situation.

How you can deal with debt

If you're in debt it can feel like there is no escape – but in three simple steps, we could help you start to deal with it and put you in touch with an expert to provide advice and recommend a practical debt solution based on your situation.

1. What's your situation?

Simply fill in our form and answer a few questions so we can see if we can help you

2. Arrange a call with an expert

Complete the form and we'll arrange your free, confidential call with an appropriate expert

3. Get advice and find a solution

Your debt expert will go through your options and help find the right solution for you

See If You Qualify!

Know Your Options

Debt Management Plan (DMP)

Debt management
plan (DMP)

  • Have just one monthly payment as little as �75 for all your debts
  • Pay only what you can afford
  • Your credit file may be affected for up to 6 years
  • Cannot help with secured or current household debt (gas, water, etc)
  • Will last until debts are repaid in full
  • Not legally binding
Individual Voluntary Arrangement (IVA)

Individual voluntary
Arrangement (IVA)

  • Write off up to 75% of your debt
  • Stops letters and collection calls
  • Consolidate all debts into 1 payment
  • Your details will be recorded on the insolvency register
  • Homeowners may need to release equity from their homes
  • Failure to comply with the IVA terms may lead to bankruptcy
  • Your credit file may be affected for up to 6 years
Debt Settlement

Debt Settlement

  • Replace multiple monthly payments with just one
  • Negotiate with your lenders for a full and final settlement
  • Your credit file may be affected for up to 6 years
  • Not legally binding
  • You may have difficulty obtaining credit in the future
  • Cannot help with secured or current household debt (gas, water, etc)
Equity release

Equity releaset

  • Release tax-free cash from your home to pay down your debt
  • Take the money in a lump sum or over several smaller payments
  • Must be 55 or older to qualify
  • You will be required to pay set up and/or arrangement fees
  • May be early repayment charges
  • Equity release is expensive
  • May hurt your ability to save enough money for retirement


  • Get a fresh financial start
  • Be debt free in just 12 months
  • You may need to give up assets including your home & car
  • Income in excess of that needed for basic needs is paid to your lenders
  • Your bank accounts will be frozen
  • Can affect current and future employment
  • You may have difficulty obtaining credit in the future
 Other Options

Other Options

  • Administration Order
  • Protected Trust Deed
  • Debt Arrangement Scheme
  • Minimal Asset Process
  • Debt Relief Order
  • Sequestration
Do you qualify for any of these debt plans?
Find Out Now!
Case Studies
IVA This example is based on a 60 month IVA and a minimum payment rate of 2.5%. It is for illustration purposes only. Your results will vary based on your unique financial situation.
Debt Management This example is based on a 60 month DMP and a minimum payment rate of 2.5%. It is for illustration purposes only. Your results will vary based on your unique financial situation.
Protected Trust Deed This example is based on a 48 month PTD and a minimum payment rate of 2.5%. It is for illustration purposes only. Your results will vary based on your unique financial situation.

we can help with

  • Credit card
  • payday loans
  • store cards
  • overdrafts
  • graduate loans
  • Business Debts
  • Personal Loans
  • Lines of credit
See If You Qualify!

Frequently Asked Questions

Why would my lenders accept less than I owe them?

In the case of an IVA, Protected Trust Deed or Debt Settlement Plan, your lenders may agree to settle for less than your current balance owing. The reason is because they know there is the very real chance that someone with serious debt problems will simply walk away from their debts, leaving them with nothing. And from the perspective of your lenders, something is better than nothing.

Will I lose my assets, such as my house and my car?

Most debt relief programmes will allow you to keep your assets. However, there are some options which may require you to give up some or all of your assets including bankruptcy and sequestration. Your debt advisor will help you find the option that's right for you.

I have payday loans. Are you able to help with that?

Payday loans are typically accepted into most debt relief plans. Your advisor will be able to assist you with more information.

How long will it take for me to get out of debt?

How long it will actually take you to become debt free will depend on the amount you owe, how much you can afford to repay each month and the programme you enter into. Your debt advisor will discuss all of your options with you and let you know how long each programme would take to complete.

How will debt relief affect my credit rating?

All debt relief solutions affect your credit rating in some way. Your credit rating may be affected for up to 6 years and you may have difficulty obtaining credit in the future, depending on which programme you enrol into. Nevertheless, if you are having financial problems it is very likely that your credit rating has already been negatively affected, particularly if you have missed a payment. The good news is that no matter what your credit rating is, you can always rebuild it over time and this process can begin as soon as your debt relief plan ends, as long as you remain debt free once the plan has ended.

Will I have to continue to deal with my lenders?

Nobody can guarantee that your lenders will stop contacting you completely, under all circumstances. Once you are enrolled in a debt relief programme, your advisor will do all they can to help reduce this contact. Some debt solutions do obligate your lenders to stop contacting you upon acceptance into the programme, such as with an Individual Voluntary Arrangement (IVA), Protected Trust Deed (PTD) and Debt Relief Order (DRO). However, if you stop making your payments then your lenders are legally permitted to begin contacting you again.

What if I'm already enrolled in a debt plan with another company?

If you aren't satisfied with the results you're getting with your current debt plan provider or if you are experiencing financial difficulties in managing your existing programme, you are free to switch to a new programme at any time. However there may be consequences in switching programmes such as interest being re-added to the debt and lack of protection from lenders during the cross over period. Simply fill out the form above and one of our debt advisors will contact you to discuss your situation and to determine whether it might be suitable for you to switch your plan arrangements.

Take control of your debt today!

The Money Advice Service is an impartial service set up by the Government to help people manage their money. To find out more about free debt advice, debt counselling, debt adjustment and credit information services, visit