With our help you can:

  • Stop the calls and letters from creditors
  • Lower your payments to one manageable payment per month
  • Write off most of your debt
  • Be debt-free in 5 years

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Choose how you’d like us to help you – over the phone or by email. There’s no commitment at this stage.

Debt Solutions

Free Debt Help


An Individual Voluntary Arrangement, known as an IVA, freezes your debts and lets you pay them back at an affordable amount – usually over 5 years. It’s a legally binding debt solution between you and your creditors.

Debt Management

A Debt Management Plan (DMP) enables you to pay off all of your debts at a reduced rate that you can afford, wrapped up in one monthly payment.

debt relief

A Debt Relief Order (DRO) is a way to have your debts written off if you owe less than £20,000, and don’t have much spare income or many assets.


Bankruptcy is a form of insolvency that clears your debts if you can’t afford to repay them, allowing you to start over.

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Being in debt can be really stressful. The calls, letters and knocks at the door can take over your life.

But there is always a solution available, and a way out of the debt spiral to put an end to your money worries.

Do you have a debt problem?



Money advice could help you if any of the following apply:
  • Do you run out of money before the end of every month?
  • Are you worried about calls, letters and bailiffs at the door?
  • Do you know how much you owe?
  • Are you worried your home may be repossessed?
  • Do you ignore statements from your bank or credit card companies?
  • Do you use payday lenders?
Getting out of debt

There are things you can do to take hold of your finances – this is the first step to taking charge.

Write down exactly how much you are spending each month on bills and living expenses. Then detail how much money you owe and who to. Your bank statements will help with this.

This is a great way to start figuring out your finances so you can see where your money is going, and understand your income versus expenditure. You’ll end up with a figure that shows how much is left over each month for you to live on, which will help you to decide whether you would benefit from debt advice or help.

Get help with money worries and debt problems

Lots of people struggle with money, and there is help available to everyone. We offer free, confidential advice, and can talk you through the options available to you to help you become debt-free.

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Lenders use different ways to collect debts, and each of them vary in the ways they’ll contact you and the action they take. We can give you an idea of the type of things they’ll do though.

When you miss a payment or 2

Creditors will usually start sending reminders by calling or writing to you, asking you to make up any missed payments to bring your account up to date. They’ll often ask about your circumstances at this stage and be understanding about your situation. Many creditors may suggest you seek debt advice or help with your money worries from a company like us.

Missing 3 or 4 payments

The companies you owe money to might have increased the number of calls and letters to you at this stage, and they might start talking about defaulted and delinquent accounts. They’ll send you a default notice and then put your account into default, which they’ll record on your credit report for 6 years.

If they use debt collection agencies they may pass your debt on, so you could be getting contacted by new companies now.

You’ve missed 5 or 6 payments

At this point you’ll have received a lot of calls and letters, and your creditors may be taking further action against you to recoup their money. They may approach a court with a view of getting a County Court Judgment (CCJ) against you, and at that stage bailiffs can get involved. It’s important that you get help with your debt problem, no matter what stage you’re at.

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You can arrange debt repayments directly with your creditors, if you’re behind with payments or struggling to pay in full each month.

You’ll need to work out your budget each month by detailing all of your living costs, and your income. Remember to include everything you spend, and this will show you how much you have leftover to offer to your creditors.


How to make a repayment arrangement

Contact your creditors to tell them about your situation and talk through your budget, to make an offer to pay what you can afford.

You can send each creditor a copy of your budget and a list of all your debts. The creditor will want to see your essential living costs to help them understand that your offer to them is fair and based on what you can realistically afford.

It’s often a good idea to explain why you’re struggling to keep up with payments – whatever the reason. So if you’ve lost your job or your living expenses have increased- tell them about it so they can fully understand your situation.

Your offer to your creditors

When you’ve worked out how much you have leftover in your budget each month, you’ll have to share it across all of your unsecured debts – like credit cards, store cards, personal loans, and overdrafts. Work out how much you can offer each creditor based on what you owe them.

Your credit rating  

If you’re not meeting the contractual payment terms – if you pay late or not at all – then your credit rating is likely to already be negatively affected. Lenders usually record late and missed payments, as well as how late they are.

Your lenders will probably be trying to contact you to get payment from you, and if they can’t get payment, they end up putting the account into ‘default’, and ending the contract. The defaulted account will stay on your credit report for 6 years, and they’ll still chase you for payment and may sell the debt to a debt collector.

A payment arrangement can also be recorded on your credit file, which other lenders will be able to see if you approach them for credit. Realistically though, if you’re already missing payments or you’ve been late with them a number of times, this information will already be on your credit report, which might make borrowing more credit difficult right now.

Free Debt Help

Free help with money worries and debts

Do you have a feeling of dread when the phone rings or the post arrives?  We can give you free help and advice to stop that.




You need to:

  1. Answer a few quick questions
  2. Speak with a specialist advisor
  3. Choose your debt plan


To help you become debt free while still being able to live your life, we need to understand your circumstances and situation. We want to protect the things  that are important to you, so we’ll listen to you without judgement, and give you the best options to go forwards.

Quick Solutions
With most debt solutions the calls and letters – and the pressure from your creditors – will end.
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