Help with your debts

Expert confidential debt advice. Get a plan to deal with your unsecured debt. Our team is waiting to talk.

  • Explore your options
  • Affordable repayments
  • Interest & charges may stop

Initial advice is free. Fees apply if you enter a debt solution with. Free debt advice is available at moneyhelper.org.uk

MoneyHelper

Could a debt solution be right for you?

How it works:

  1. 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.

  2. We will assess

    We’ll look at your income, your essential outgoings, and what you can realistically afford each month.

  3. 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:

Types of debt we can help with: credit cards, loans, overdrafts, council tax, utility bills and store cards

Ready to regain control of your finances?

It's never too late to seek help. 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

Two columns compared. Where I am now: I don't know where to turn with too many debts, on a base reading I was once debt free. What debt solutions can do for you: more manageable monthly payments; a clear plan for dealing with your debts; payments based on what you can afford; less pressure from juggling multiple debts; help communicating with creditors; a clearer picture of your finances; and professional support and guidance.

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 advice. .

Excellent reviews
Regulated debt advice
UK based advisors
Help Understanding your options

What our clients say

A few recent reviews from our customers.

Rated 5 out of 5

A very reliable company, very well prepared consultants, very helpful in explaining every aspect of your issue.

Daniel Jess

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

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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.

Debt Management Plans

A Debt Management Plan is an informal agreement between you and your creditors to repay your debts.

Bankruptcy

Bankruptcy is a formal insolvency process used to deal with debts you’re unable to pay.

Debt 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.

Frequently 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.

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.

The Debt Advisor

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:-

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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