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Debt solutions & advice from The Debt Advisor

  • ✓ Advice given for all debt solutions
  • ✓ Only pay what you can afford
  • ✓ Get support and the help you need
Get debt help today

An IVA may not be suitable in all circumstances. Fees may apply. Entering into debt solutions will affect your credit rating.

Clearing debts using funds raised by remortgaging or secured or unsecured loans or equity release.

Individual Voluntary Arrangement (IVA)

An IVA is a detailed and legally binding payment proposal to repay your debts. Our IVA team help you draft the proposals and when agreed these are sent to your creditors for them to consider. The terms of the IVA depend on what you and your creditors are likely to agree. More…

Bankruptcy

Bankruptcy is a form of insolvency that allows you to deal with debts you can no longer manage. It is most suitable for those with minimal assets and who cannot make minimum payments towards creditors. More…

Debt Management Plan

A Debt Management Plan (DMP) is an informal arrangement between you and your creditors which allows you to repay your debts, normally in full, at a rate that you can afford without relying on further borrowing. If during your DMP you are able to offer creditors a lump sum to settle your debts, it is possible to agree discounted settlements.

Debt Consolidation

Debt consolidation generally means clearing your unsecured debts using funds raised by secured or unsecured loans, remortgaging your property or perhaps using equity release. The debts could include credit cards, loans, council tax or utility arrears or debts due to HMR & C. More…

Debt Relief Order – DRO

A Debt Relief Order is an official order granted by the official receiver that if approved will freeze your debts, interest and creditor recovery procedures for a period of 12 months. If after 12 months your situation has not changed then any unsecured debts will be written off. More…

“Breathing Space” – The debt respite scheme

The Government Debt Respite scheme comes into effect on 4th May 2021. It is a legally enforced Breathing space that allows you time to seek professional debt advice with the peace of mind that your creditors are unable to enforce or take legal action to recover the debts owed to them. More…

Scottish debt solutions

We are proud of our 5* Trustpilot reviews

February 2024, Kizzie Price

Very quick and easy to do! So glad I finally reached out for some help and support. The advisor was very patient, kind and calm with great customer service. Looking forward to being debt free! Thanks.

February 2024, M Meharg

I spoke to a gentleman called Andrew last night he was amazing he went above and beyond to help me. He listened to everything I said and suggested the best way to help me sort out my problems. He is a total credit to the organisation. If I could give a million star review it still wouldn’t be enough. I would recommend this company & Andrew in a heartbeat. Excellent Service. Thank you Andrew

February 2024, Kenton Reid

You guys are truly amazing, thank you for your continual help with making my life a little easier. These guys are truly the best. WhatsApp message is so great, your response is so fast. I would recommend anyone to you guys. Contact The Debt advisor if you need some comfort. Thanks again guys.

February 2024, Ruth Miller-Hardy

I have just set up my debt management plan. During the discussions about my options, the advisor was very empathetic with me. I was made to feel like I could accomplish the things discussed without having to worry too much that I wouldn’t be able to afford the payment

February 2024, Tiffany Hesketh

Connor was incredibly helpful. Cannot thank him enough and I am very excited to working towards a debt free life.

January 2024, Rosie

If you’re worried about your debt then don’t delay in receiving help from this wonderful company! Had the pleasure of dealing Connor who was amazing at his job! My mind is at ease knowing my debts are taken care of! So efficient and really understanding! Will forever be grateful!

Thank you Connor!!

January 2024, Bill Sykes

Can’t thank you guys enough for the service provided. I have pretty much come up with a solution the same day from first contact to the final call with a plan in place, This is how professional this company is even down to running a little late with the agreed time I was contacted to inform me the little things make a difference. Feel like a weight has been lifted and a big shout out to Connor who I had dealt with…. thank you so much.

February 2024, Kizzie Price

Very quick and easy to do! So glad I finally reached out for some help and support. The advisor was very patient, kind and calm with great customer service. Looking forward to being debt free! Thanks.

February 2024, M Meharg

I spoke to a gentleman called Andrew last night he was amazing he went above and beyond to help me. He listened to everything I said and suggested the best way to help me sort out my problems. He is a total credit to the organisation. If I could give a million star review it still wouldn’t be enough. I would recommend this company & Andrew in a heartbeat. Excellent Service. Thank you Andrew

February 2024, Kenton Reid

You guys are truly amazing, thank you for your continual help with making my life a little easier. These guys are truly the best. WhatsApp message is so great, your response is so fast. I would recommend anyone to you guys. Contact The Debt advisor if you need some comfort. Thanks again guys.

February 2024, Ruth Miller-Hardy

I have just set up my debt management plan. During the discussions about my options, the advisor was very empathetic with me. I was made to feel like I could accomplish the things discussed without having to worry too much that I wouldn’t be able to afford the payment

February 2024, Tiffany Hesketh

Connor was incredibly helpful. Cannot thank him enough and I am very excited to working towards a debt free life.

January 2024, Rosie

If you’re worried about your debt then don’t delay in receiving help from this wonderful company! Had the pleasure of dealing Connor who was amazing at his job! My mind is at ease knowing my debts are taken care of! So efficient and really understanding! Will forever be grateful!

Thank you Connor!!

January 2024, Bill Sykes

Can’t thank you guys enough for the service provided. I have pretty much come up with a solution the same day from first contact to the final call with a plan in place, This is how professional this company is even down to running a little late with the agreed time I was contacted to inform me the little things make a difference. Feel like a weight has been lifted and a big shout out to Connor who I had dealt with…. thank you so much.

Debt help process

We provide the most comprehensive debt advice and support for individuals and business owners. Our experienced team offers a personal approach to finding solutions to your debt challenges.

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