Find a solution which is right for you

You may qualify to:

Write off all of your unaffordable debt

Have one monthly affordable payment

Stop creditor collection calls & lender harassment

Stop interest & charges

Find a solution which is right for you

You may qualify to:

Write off all of your unaffordable debt

Have one monthly affordable payment

Stop creditor collection calls & lender harassment

Stop interest & charges

Apply Now!

See if you Qualify for Debt Relief

Step of

What is the total value of your debt?

How many debts do you have?

How much could you afford to pay each month?

£50

What is your employment status?

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Just one last step and then we can get the information you need over to you!

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How it works

Being in debt and finding the right solution can be daunting.
We simplify the process of seeking the right advice with a few simple, straight forward steps.

See If You Qualify

Simply answer the brief questions on the apply now page to see if you qualify for any available debt relief plans.

Book Your Consultation

If you qualify, you will then be referred to a professional debt advisor who will assess your situation and advise which plan is best for you.

Get Professional Advice

Your debt advisor will go over all of your options, explaining the pros and cons of each suitable option.

You can obtain free and impartial advice on how to deal with your creditors from the Money Helper www.moneyhelper.org.uk/en
What options are available to me?

Each situation is different. To determine what options are available, an income and expenditure form would need to be completed to understand what your affordability is. This would then determine what options are available to you.

In England, Wales & Northern Ireland there are options including – self help, informal arrangements, DMP, Consolidation loan, IVA, Bankruptcy, DRO, Administration Order. In Scotland options include – self help, informal arrangements, consolidation loan, Protected Trust Deed, Sequestration & Minimal Asset Process.

Debts we can handle

You can obtain free and impartial advice on how to deal with your creditors from the Money Helper www.moneyhelper.org.uk/en

Frequently asked questions

Why would my lenders accept less than I owe them?

In the case of an IVA or Protected Trust Deed, 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.

What options are available to me?

Each situation is different. To determine what options are available, an income and expenditure form would need to be completed to understand what your affordability is. This would then determine what options are available to you. In England, Wales & Northern Ireland there are options including – self help, informal arrangements, DMP, Consolidation loan, IVA, Bankruptcy, DRO, Administration Order. In Scotland options include – self help, informal arrangements, consolidation loan, Protected Trust Deed, Sequestration & Minimal Asset Process.

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.

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