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Debt Help

The right debt help and solution will depend on your personal and financial situation. In some instances you may be suitable for a number of debt solutions, if this is the case we will help explain the positives and negatives of each debt option for you.

The only way to get tailored debt help and money advice is to contact one of our expert debt advisors either via telephone, email or by completing a debt analyser questionnaire.

There is more information on each of the debt solutions below. Please click a debt solution for more information.

For further information about debt advice the Insolvency Service has produced a leaflet (In Debt? Dealing with your creditors) which can be downloaded here.

Immediate Charity Debt Advice

If you would like immediate online charity debt advice you can take our debt test. Within 5 minutes you can analyse your debt and receive appropriate debt help. Please click "Analyse Your Debt" to proceed.


Solutions to debt

RefinanceIf you own an asset, such as a house, you may have available equity which could be used to pay towards your unsecured debts.
General AdviceWhen your financial situation is not severe enough for a debt solution our advisors will give you some money saving tips.
Protected Trust DeedA Protected Trust Deed is a debt solution for people living in Scotland. If your unsecured debt is above £5,000 this may be suitable for you.
Debt ManagementA Debt Management Plan is an informal agreement between you and your creditors. Generally your debt will be between £5,000 and £15,000.
SequestrationSequestration is the Scottish equivalent of bankruptcy.
IVAAn Individual Voluntary Arrangement (IVA) is a proposal you put to your creditors where you agree to repay what you can afford over typically 60 months. This solution is only available for people living in England, Wales or Northern Ireland.
BankruptcyBankruptcy is a debt solution for people based in England, Wales and Northern Ireland.

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Debt Test

Our debt analyser is a unique system which can give you an answer to your debt problem in around 15 minutes, without having to speak to anybody.

Through answering a range of questions about your financial situation we can suggest solutions to your debt problem. Our qualified advisors can also help you with the pros and cons to each solution.