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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

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.

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