Help with your debts
- 20+ years of experience
- One affordable monthly payment
- All the support & help you need
- 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. The debt solutions will be explained in full. Some solutions result in debt write-off.
Free impartial debt advice available at moneyhelper.org.uk
Excellent reviews
★★★★★ — Gareth
"Very easy to deal with, non-judgmental."
"Very easy to deal with, non-judgmental."
★★★★★ — Jaquilyn
"Excellent all round. Very professional and reassured me at a very distressing time."
"Excellent all round. Very professional and reassured me at a very distressing time."
★★★★★ — Rosie
"Extremely knowledgeable and kind! No judgement just helpful information."
See all reviews →
"Extremely knowledgeable and kind! No judgement just helpful information."
Advisors on standby
Our advisors are based in central Manchester
We are ready to help seven days a week:
Mon–Thu: 8am – 8pm
Friday: 8am – 5pm
Saturday: 10am – 4pm
Sunday: 10am – 2pm
We are ready to help seven days a week:
Mon–Thu: 8am – 8pm
Friday: 8am – 5pm
Saturday: 10am – 4pm
Sunday: 10am – 2pm
FCA regulated
We are authorised and regulated by the Financial Conduct Authority (FCA). We provide a no-obligation service to anyone who requires debt advice. All options will be explored and we will help you find the solution best suited to your individual circumstances.
We have an experienced team of debt advisors based in our Manchester office. During your initial advice call, an experienced advisor will take the time to understand your circumstances and talk you through the full range of available debt solutions. We’ll explain the features of each solution, including the benefits and risks of each. Every conversation is confidential and without obligation, giving you the space to make an informed decision in your own time. We do not charge any upfront fees.
Debts we can help you with:
- Credit cards
- Payday loans
- Store cards
- Loans
- Overdrafts
- Catalogues
While debt solutions can help with most unsecured debts, some priority debts, such as mortgages, secured loans, or certain court fines, cannot be included and must be paid separately.
Taking the first step is the hardest part, but you're already here.
If debt is weighing on you, you’re not alone. Millions of people across the UK are struggling with rising costs, and our friendly, experienced advisors are here to help, with no judgment and no obligation. Simply fill in the form and one of our team will talk you through your options, carry out a free initial assessment, and help put together a plan that works for your situation. We’ll be with you every step of the way.
Facing a debt emergency?
If you need urgent help, such as a court summons, bailiff threats, repossession notices, or utility disconnection, please call us directly on 0161 532 2926. We deal with debt emergencies every day and can act quickly to help you.
People come to us when they are:
- Seeking expert guidance on all available debt solutions
- Feeling unsure about the next step to take towards managing their debts
- Needing expert support managing creditor contact
- Struggling to make monthly payments to their creditors
Our 3 step process
1. Fill in the form
Tell us about your situation and and we’ll be in touch to discuss the next steps
2. Speak to an advisor
We’ll offer advice specific to your situation and explain all the solutions
3. Move forward
If you choose a solution with us, we will provide all the support you need
What our clients say
Read some positive reviews from our customers (all reviews can be read on our Google profile page)
Individual Voluntary Arrangments
An IVA is a legal debt solution where you make a single monthly payment toward your unsecured debts, usually over 5 to 6 years.
IVAsDebt Management Plans
A Debt Management Plan is an informal agreement between you and your creditors to repay your debts.
Debt Management PlansBankruptcy
Bankruptcy is a formal insolvency process used to deal with debts that an individual is unable to pay.
BankruptcyDebt Relief Orders
A Debt Relief Order (DRO) is a formal insolvency process for individuals with low income and few assets who are unable to repay their unsecured debts.
Debt Relief OrdersFrequently 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 100% 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 best debt solutions for your specific needs.
You can also call us on 0161 868 2500 or email info@thedebtadvisor.hubsolv.com.
Can I get help for free?
We charge no fees for our initial advice. If you choose a solution, fees will apply and will be explained clearly before you proceed. You can also access free and impartial debt advice from the Government’s MoneyHelper service.
Can I get my debt written off?
Some solutions such as IVAs or Debt Relief Orders can include debt write-off, depending on eligibility, but it isn’t guaranteed. During your advice call, we’ll explain how each option works so you know what may be possible in your circumstances.
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.
The Debt Advisor Ltd 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 during the period whilst we are negotiating reduced payments with your creditors as you are not 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.