Get Help With Debt
We offer support and solutions to manage your debts and take back control of your finances.
Call Us Now for Immediate Assistance
0330 341 4930
All initial consultation is FREE and confidential
One lower monthly payment
Interest and charges frozen
Legal protection from lender calls and harassment
May not be suitable in all circumstances. Your credit rating may be affected. If approved fees may apply. Click here to find out more.
Are you struggling with any of the following debts?
Outstanding Debt
Hire Purchase Agreement
Payday Loans
Overdrafts
Catalog debts
Credit Card
Store Cards
Bank Loans
For more help and advice, visit the Money Helper, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here. IVAs are only available in England, Wales and Northern Ireland. Protected Trust Deeds are available in Scotland.
Simple Steps
1. WE LISTEN
Contact our dedicated team of experts for honest and impartial information.
2. WE EXPLAIN
Make an informed decision about the best Debt Solution for your circumstances.
3. YOU DECIDE
Move forward with a plan built for your journey back to financial stability.
Debt Solutions
Individual Voluntary Arrangements
Debt repayments can be reduced and written off over a new term thanks to this structured debt solution.
Bankruptcy Advice
Taking this step in a controlled way can give you a new route out of financial insecurity.
Debt Respite Scheme “Breathing Space”
As long as you live in England or Wales, this scheme is available to provide you with temporary protection for up to 60 days.
Debt Management Plan
Debt Management Plans give you a structured route our of debt, with support from our team of experts.
Frequently Asked Questions
What types of debt are covered by our solutions?+−
We are experienced in dealing with a wide range of debt solutions which are used to combat out of control unsecured debt. Examples of unsecured debts are credit cards, council tax, store cards or personal and payday loans. Our expert advisors will be on hand to share their wealth of experience with you and deal with any confusion you may have about what type your debts are, whether they may be included in your debts solution and which debt recovery option is best for you. We will also make sure you are aware of how different plans for repayment will impact the total amount you owe, and what effects your solution will have on your financial future.
What are the costs of using your services?+−
All initial consultation is free and confidential and you are under no obligation. If you qualify for debt help, your monthly repayments will be reduced to an amount that you can comfortably afford and that are acceptable to those people that you owe money to. Fees are only charged if you enter into a financial solution and your provider will confirm the associated costs within their terms and conditions. But it’s all built into the monthly amount that you pay.
Why do I have to speak with an advisor directly?+−
There is a simple reason for this. The potential debt solutions which are available really are life changing, but it's not a one size fits all. It's important we understand your situation properly to be able to give you the best service and get that weight off your shoulders for good.
What we can promise is that this is in complete confidence, it doesn't take long and is really simple. We literally speak to thousands of people in the same if not worse situation as you, so you won't be telling us anything that we haven't heard lots of times before.
Our advisors are all UK based (Manchester actually) and are very friendly and helpful. They are trained so that they ask the questions that we need the answers for in order to help you the best we can. It means that we know that we have met our obligations to you in a friendly, non-judgmental way.
How long will my debt solution take?+−
That depends on what method of debt solution you ultimately choose, what levels of your debt are and what you are able to afford to re-pay. The answers to these questions are as unique as you are.
But, if an IVA is selected, a standard IVA usually lasts for 5 years (60 monthly payments), although it can be completed in as little as 12 months if you can propose a lump sum payment to settle your debts.
If you are a homeowner with equity, this will be reviewed in the final year of your IVA. You may be required to introduce some of your share of the equity into the agreement. If this is not possible then your IVA could be extended for up to another year. This will all be explained in detail prior to applying for an IVA.