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Debt management help. Clear up to 80% of debt

  • Lower your monthly outgoings
  • Write off up to 80% of debt*
  • Stop debt letters and phone calls
  • Freeze interest and charges
CHECK IF YOU QUALIFY

Solutions such as IVAs may not be suitable in all circumstances. Fees may apply and debt solutions will affect your credit rating. There is no charge for the initial call and advice, and you are under no obligation to proceed. *Up to 80% is based on an IVA solution.

Write off
most types of debt

  • CREDIT CARDS
  • LINES OF CREDIT
  • PAYDAY LOANS
  • STORE CARDS
  • LOANS
  • OVERDRAFTS
  • CATALOGUES
  • BUSINESS DEBT

How Does It Work?

We understand more than most that dealing with debt can be stressful, but we also know how it can be resolved. There are a number of tried and tested debt solutions that can help not only write off debt but also reduce pressure from creditors and freeze interest and charges. Get all the help and guidance you need to become debt free. These solutions help to repay what you can afford with the balance written off on successful completion.

All advice we give is free, confidential, and without obligation. Guaranteed.

CHECK IF YOU QUALIFY

Lifestyle Benefits
of Debt Management

  • End borrowing from friends & family
  • Stop the stress of bills you can’t pay
  • No hefty charges for being overdrawn
  • Get rid of those loans
  • No running out of money after payday
  • Enjoy living life again

A Recent IVA Example

We are proud of our 5* Trustpilot reviews

September 2024, Anita

After getting in contact with an advisor this has been such an easy and smooth process. Being very anxious about it I was put at ease straight away. Highly recommended

September 2024, Robert

All questions were answered professionally. Following my recent experiences with bank ect it was good to speak to people who proved to helpful polite and obviously with good understanding of ways to help potential clients. What a welcome change from total previous non help of banks and credit card manipulator’s. There efforts were successful in that I have decided to accept their help. PS My thanks to Molly and Daisy

August 2024, Brian

Wow, these people are really good. I was struggling to pay off all my debt, one phone call with Richard and now feel like a huge weight has been lifted. The man took me through everything and now I can start my road to being debt-free

September 2024, Elizabeth

Easy to talk to….friendly, very helpful and put my mind at rest….excellent service and very professional. Would highly recommend to help with money worries and debt.

September 2024, Tony

Ben was fantastic! He was no judgemental, polite and speaking with him eased my anxiety and nervousness with making the call. It is hard realising how much debt you have accumulated, and trying to figure out how to get out of it. Ben discussed options with me, we agreed on the best option for my circumstances and I now feel extremely relieved. Thanks again to Ben and the Debt Advisor team

September 2024, Kayley

My advisor Molly was very helpful and nice over the phone and explained everything to help me understand what was best x

September 2024, Tony

Before I phoned I was nervous and panicking about how this company could me in my financial situation … but once I spoke with them on the phone and explained my situation and how I got myself into debt they explained every options how they could me I felt 100%better in myself..I got the help I needed and would recommend this company to everyone who is in financial difficulty

August 2024, Emma

Connor was very reliable, he phoned when he said he would and acted quickly on any information I gave him. He was understanding and helpful, at no point was I made to feel bad for getting into this situation. It is a load off my mind that my problems are being dealt with so professionally.

August 2024, Sharon

My advisor called Tom was great. He talked me through everything and put me at ease. He was very reassuring and confirmed that they could help me and that they would do all the work. I admit that until it’s all complete I’m a bit nervous but Tom is there every step of the way.

August 2024, Ted's Friend

The whole process was long but worth it in the end . Molly was so friendly polite never come across someone with excellent customer service amazing

August 2024, Melanie

Fantastic service. I spoke to Ben and he put my mind at ease. He was so patient and took his time to go through all the options I had available. Times are tough as I lost my job in January so struggled to pay any of my debt. Ben came up with a great solution and I breathed a sigh of relief as I have been so stressed out about paying all my debt without a job. Thank you to Ben for making my life so much easier now. 10 stars for his great service.

August 2024, Connor

Great support. I spoke with Ben today who was a great help. Came to a solution very quickly and was clear about the impact all options could have. I feel relieved to have been passed on to this service and would advice anyone who is struggling to call and have a chat to see what help us out there

August 2024, Shanuykta

Very smooth process. The whole process from start to end was very smooth and Molly was so polite,very helpful with excellent customer service.

Our 3 Step Process

1. Get Started

Here Answer a few questions to check if you qualify to write off debt.

2. Speak To An Expert

Chat to one of our debt experts for your personalised plan.

3. Relax

Leave the rest to us and get back to enjoying life without the money worries.

You could be on your path to debt freedom

Your financial future could look like this.....

Frequently asked questions

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, Debt Management Plans (DMP), Consolidation loans, Individual voluntary arrangements (IVA), Bankruptcy, Debt Relief Order (DRO), Administration Orders. In Scotland, options include self-help, informal arrangements, consolidation loan, Protected Trust Deed, Sequestration & Minimal Asset Process.

What is an IVA?

An individual voluntary arrangement or IVA is a formal agreement between you and your creditors. It is a fixed-term debt plan that legally protects you from your creditors. An IVA freezes interest and cuts your monthly repayments to an affordable level. Better still, any debt left unpaid when the term finishes is written off. The exact amount of your monthly payment will depend on your circumstances but can start from as low as £70. If you are a homeowner, once your IVA is approved your home can be protected. If you have a private pension this can also be protected. If you have a private pension this will also be protected. Typically an IVA will last for 5 years with you making an affordable monthly payment from your income into your IVA. Once your IVA has been fully approved, you don’t need to worry any more about your creditors pursuing you. Your insolvency practitioner who supervises your IVA will deal with all your creditors. Once the final IVA payment is made, you are no longer be liable for any of the debts included in your IVA and there will be no further balance to pay, even if this means your debts have not been repaid in full.

Will my creditors stop contacting me?

Yes, once your IVA is approved all collections contact from creditors should cease however they still legally have to send you some items like annual statements. It may take a while for creditors to amend their systems but within 1 to 2 months of the IVA starting, all communication from your creditors should stop. Creditors are legally bound into the terms of an IVA, consequently preventing them from pursuing you for the debt.

Can I get help for free?

We provide free no-obligation advice to anyone who is considering whether an IVA is the right solution for them. All options will be explored and if you decide that an IVA is not for you we will help you find the solution best suited to your circumstances. Free debt advice and information is also available to customers from Money Helper (www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt)

Will an IVA freeze interest and charges?

Immediately after your IVA is approved all interest on your unsecured debts and all charges will be frozen. It is important to note that debts such as mortgages or ongoing car finance will not be included in your IVA and you will continue to pay these as normal. After your IVA is approved you may continue to receive correspondence from some of your creditors. All you need to do is to send this to the supervisor of your IVA who will remind those creditors to update their records to show that you are in an IVA and they must only deal with your IVA supervisor from now on. If your IVA is terminated because you don’t keep to the agreed terms then the interest which was frozen is likely to be added back to your debts.

CHECK IF YOU QUALIFY