Rated 5 out of 5
A very reliable company, very well prepared consultants, very helpful in explaining every aspect of your issue.
Daniel Jess
Debt advice UK
Expert confidential debt advice with no obligation. Get a plan to deal with your unsecured debt. Our team is waiting to talk.
- Explore your debt options
- Manageable repayments
- Interest & charges may be frozen
No fee is charged for initial advice. Fees apply if you enter a debt solution with us, and your credit rating will be affected. Free debt advice is available at moneyhelper.org.uk
Could a debt solution be right for you?
How it works:
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Fill in the form
Complete our confidential form and an advisor will call to go through a few details. We’ll take the time to understand your situation.
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We will assess
We’ll look at your income, your essential outgoings, and what you can realistically afford each month.
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Move forward
If you choose a solution with us, we will provide all the support you need.
Our team has years of experience dealing with creditors and helping people get out of debt. Ways to get in touch:
Ready to regain control of your finances?
It's never too late to seek debt advice. If you recognise any of these, please get in touch:
- Regularly worrying about money
- Struggling to pay household bills
- Finances causing you stress
- Relying on credit to make ends meet
- Missing credit card or loan repayments
- Struggling to make minimum payments
- Feeling overwhelmed by money worries
- Avoiding letters and calls from creditors
We have an experienced team of debt advisors based in Manchester
We explain the features of each debt solution, including the benefits and risks. Every conversation is confidential and without obligation, giving you the space to make an informed decision in your own time. No fee is charged for the initial debt advice. Fees apply if you enter a debt solution with us and will affect your credit rating. Some solutions may result in debt write-off.
Excellent reviews
Regulated debt advice
UK based advisors
Help Understanding your options
What our clients say
A few recent reviews from our customers. All reviews can be read on our Google profile page.
Rated 5 out of 5
I had the best experience speaking to Rachel the other day. She made what was quite an anxiety inducing and worrisome conversation so easy and streamlined. Honestly, if you’re at a point where you are struggling and you need help, this is the place I would recommend.
Josh Tyers
Rated 5 out of 5
I contacted The Debt Advisor as I was worried about unsecured debt and struggling with repayments. Andrew guided me sympathetically and professionally throughout the whole process with a full explanation of the options I had so I could make an informed choice.
Gerard MacMillan
Rated 5 out of 5
This company is bringing light to a dark time in my life. Would absolutely recommend to anyone with debt troubles or issues after losing their job or income changes. Fantastic, patient and very helping!
Ryan Moore
Read more below about other debt solutions
IVAs
An IVA is a legal debt solution where you make a single monthly payment toward your unsecured debts, usually over 5 to 6 years.
Learn moreDebt Management Plans
A Debt Management Plan is an informal agreement between you and your creditors to repay your debts.
Learn moreBankruptcy
Bankruptcy is a formal insolvency process used to deal with debts you’re unable to pay.
Learn moreDebt Relief Orders
A DRO is a formal insolvency process for people on a low income with few assets who can’t repay their unsecured debts.
Learn moreFrequently asked questions
What happens after I fill in the form?
Our team will call you to build a complete picture of your income, spending and debts. This conversation is completely confidential, and there is no obligation to proceed.
How soon will you contact me?
If you complete the form during office hours, we’ll usually call you the same day for a confidential chat. We’ll help you review your debts and budget and explain the debt solutions that may be suitable for your circumstances. You can also call us on 0161 532 2926 or email info@thedebtadvisor.hubsolv.com.
Is my initial advice free?
Yes. There is no fee to talk to us initially, but fees will apply if you enter a solution with us. There’s no obligation to proceed. We’ll take the time needed to understand your situation properly, explain your options and answer any questions you have, there’s no rush.
If you choose a solution, fees will apply and will be explained clearly before you proceed. IVA fees are normally agreed as part of the arrangement and paid from the contributions you make into your IVA. You can also access free and impartial debt advice from the Government’s MoneyHelper service.
Is The Debt Advisor regulated?
Yes. The Debt Advisor Ltd is authorised and regulated by the Financial Conduct Authority to provide debt advice and administer certain debt solutions.
Will a debt solution affect my credit rating?
Yes, most debt solutions will have a negative impact on your credit file and will be recorded for six years. However, if you’re already behind on payments or struggling with debt, your credit score may already be affected. A solution can help you take control and work towards rebuilding your credit over time.
Will a debt solution affect my job?
In most cases, no. However, an IVA or other formal debt solution may affect certain jobs, particularly in finance, law or roles requiring security clearance. If you’re unsure, check your employment contract or speak to your HR department.
What is the difference between unsecured and secured debt?
Unsecured debt is money you owe that isn’t secured against an asset, such as credit cards, personal loans and overdrafts. Secured debt is linked to an asset, such as your home or car, which may be at risk if you don’t keep up with repayments. Most formal debt solutions mainly deal with unsecured debts.
Important information
The Debt Advisor is authorised and regulated by the Financial Conduct Authority. This means we can provide debt advice and administer both formal and informal debt solutions for individuals and business owners. No fee is charged for initial advice. However, we are a commercial organisation and if you choose a solution we provide, fees will apply and will be clearly explained to you.
We will talk you through all the solutions available in England, Wales and Northern Ireland. This includes solutions like Individual Voluntary Arrangements (IVAs), Bankruptcy, Debt Relief Orders, Debt Management Plans, and Debt Consolidation (subject to eligibility), to help you understand which may be most suitable for your circumstances. If you live in Scotland, different solutions apply, please visit Scottish Debt Solutions.
All debt solutions should be very carefully considered. You may fall into arrears, or incur further arrears, while we are negotiating reduced payments with your creditors, as you will not be maintaining your contractual payments. Payments made to creditors under a Debt Management Plan with The Debt Advisor are distributed within five working days. Payments made into an IVA are distributed in line with the terms of the proposal. If you enter an IVA, Debt Relief Order or Bankruptcy, your personal information will appear on the Insolvency Register, which is searchable by the public.
Call: 0161 532 2926
Monday to Thursday: 8am – 8pm
Friday: 8am – 5pm
Saturday: 10am – 4pm
Sunday: 10am – 2pm
18-22 Lloyd Street,
Manchester, M2 5WA
The Debt Advisor Ltd is authorised and regulated by the Financial Conduct Authority. The Debt Advisor Ltd is on the Financial Services Register FRN 659920. Registered Office: 18-22 Lloyd Street, Manchester, United Kingdom, M2 5WA. Company Registration: 06248441.
The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website.
Solutions provided by The Debt Advisor are available for individuals living in England, Wales and Northern Ireland. To find out more about managing your debt and receiving free debt advice, visit Moneyhelper. Further helpful information is also detailed below:-
- The Insolvency Service Guide is for people who are struggling with debt.
- The Scottish government have created the Debtors Advice Guide.
- Residents of Northern Ireland can read the government’s Advice on Managing Debt.
Your payments into a Debt Management Plan are protected and compensation could be available from the Financial Services Compensation Scheme if there are any shortfalls in funds held on a customer’s behalf. In some circumstances depending on your chosen solution and with your consent we may pass your details and supporting information to one of our partners who specialises in that particular debt solution. We may receive remuneration in respect of the work that we have done from that provider. We link to external websites where they contain relevant information for our visitors. We are not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.
Beverley Budsworth, Stacey Nairn and Gregory Mullarkey are licensed to act as Insolvency Practitioners in the UK by the Insolvency Practitioners Association. VAT No : 919 1563 12
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