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 tailored to your circumstances and explained in full. Some solutions result in debt write-off.

The Debt Advisor Ltd is authorised and regulated by The Financial Conduct Authority. This means that we are able to offer debt advice and administer both formal and informal debt solutions of behalf of individuals and business owners. We are a commercial organisation, and if you choose a solution we provide, fees will apply for our services. Fees vary dependent upon the solution and will be clearly explained to you.

We provide no-obligation advice 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. Entering into a debt solution and not maintaining your monthly contractual payments may cause your accounts to fall into arrears, or the balance outstanding could increase. Payments made to creditors whilst you are on a Debt Management Plan with The Debt Advisor are distributed to creditors within 5 working days. Payments made to an IVA will be distributed to creditors in line with the terms of the proposal.

Please take a look at the information we provide for each solution, and the applicable fees. There are various options to help you deal with your debt problems. These include: Individual Voluntary Arrangements (IVAs), Bankruptcy, Debt Relief Orders, Debt Management Plans, and Debt Consolidation (subject to suitability and criteria). If you live in Scotland, the solutions are different, please visit Scottish Debt Solutions.