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Debt help from The Debt Advisor

  • Lower your monthly outgoings
  • Write off up to 80% of debt with an IVA*
  • 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.

Debt Help UK

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 confidential and without obligation. Guaranteed.

CHECK IF YOU QUALIFY

A Recent IVA Example

We are proud of our 5* Trustpilot reviews

November 2024, Susan

I spoke with a kind understanding man showed me empathy. He’s probably saved my life. Was understanding and easy to talk to which I think is important as your feeling low. Embarrassed and can’t see a way out. He also was very patient

November 2024, cc

Molly was absolutely incredible. Non judgemental, kind and supportive. Explained everything so clearly and made the whole process so easy. I felt relief instantly after months of worry. Thank you so much.

November 2024, Mark

The whole process was articulated to me so clearly and the customer service following my application was first class. Would thoroughly recommend as it has put my mind to rest and can actually sleep properly for the first time ina long time! Thank you very much

November 2024, Nathan

So helpful and quick response’s on WhatsApp regarding any queries. They made me feel at ease now my DMP is set up. I would recommend to anyone who is struggling with debt, your not judged and make everything straight forward!

November 2024, Shanuykta

Very understandable and non-judgmental of my situation. Connor took time to explain the various options and which one would suit my situation better. He was very helpful and for creating light at the end of what was a rather dark tunnel for me. Thank you Connor.

November 2024, Temitope

The team has been tremendously helpful and supportive throughout the entire process. Their guidance and assistance made a challenging situation much easier to navigate. Highly recommend their services.

October2024, Donna

So understanding and non judgmental of the situation I found myself in. So friendly and helpful which come the end of the call the relief I had was amazing. I can sleep at night now that Debt Advisor has helped me in such a positive and professional way knowing I can manage my debt now and still be able to cope with the cost of everyday life. Thank you very much Ben for creating light at the end of what was a dark tunnel for me.

October 2024, Josh

Was really struggling with my debts and was very overwhelmed. I finally got the courage to speak to these as I find it very hard to talknon the phone but Connor was super friendly and helpful explained everything to me. A huge weight has been lifted off my shoulders. Don’t be afraid to contact them.

October 2024, Chloe

I have just started my journey with the debt advisor, so far they have been amazing, I’ve had the pleasure of having the lovely Molly as my advisor and she has been absolutely amazing. Facing debts can be awful and she made me feel so at ease and felt as though I had nothing to be ashamed of which is so so important in these situations as it does feel embarrassing at times! But I can’t thank Molly enough for how patient and kind she has been throughout the process so far! One of the only debt companies I’ve spoken to that treat you like a human and are totally understanding of your circumstances, thankyou again Molly!

October 2024, Charlotte

I spoke with Tom today who was incredible, he advised me of all the options available and when we came to the best solution together, I felt so relieved. Tom was friendly, efficient and put things into place very quick. If you are reading this and are struggling with debt or looking for advice, this company will help you so much. Thank you Tom.

October 2024, Wendy

This is a line I openly admit I didn’t ever want to go down but life has other plans. Trying to deal with the debts myself and creditors not being at all helpful, I turned to these guys. Ben was absolutely brilliant and I feel a huge pressure has been lifted. I’m now in control of my finances again. These guys don’t judge you in anyway. They give you the best options to choose from and fully explain each plan.
Thank you so much Ben

Our 3 Step Process

1. Get Started

Complete our online form with your contact details.

2. Speak To An Expert

Chat to one of our debt experts to discuss the most appropriate debt solution.

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

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.

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.

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.

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)

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