Personal UK debt advice and help you can rely on!

With such a variety of information, disinformation, advice and what is sometimes pure myth, it can be difficult to try and figure out what is actually good reliable personal debt help these days.

We have a work ethic that we are rightly proud of. We offer totally free yet confidential advice on debt to people struggling through a very difficult and sometimes awkward part of their life. We do not take advantage of our clients when they are at their most vulnerable. We guide them and advise them how to become debt free the simplest and most economical way we can recommend. From students to pensioners we can and do help most people with debt management UK.

Personal debt affects different people in different ways because everyone has different circumstances and different lifestyles. We aim to find a solution for you which is tailored to suit your own set of circumstances and will hopefully align itself to your own lifestyle.

Firstly, remember that Debt Consolidation advice should not be costing you a single penny. If you have been offered advice at a cost, then perhaps you should walk away. We will pay off all of your debts and you will have just one affordable monthly repayment. We will also try to halt any interest charges that you may currently be being charged by store and credit cards.

Individual Voluntary Arrangement or IVA

IVA or Individual Voluntary Arrangements have a fixed repayment period of no more than 60 months ending on a specific end date which you are aware of from the beginning. After this date, all your debts are cleared. In England and Wales, Creditors have to freeze all further interest and charges by law (In Scotland an IVA is better known as a Trust Deed. Once you have made your final repayment, any and all outstanding debts are legally written off by your creditors.  Creditors are held to the agreed repayment amounts throughout an IVA and cannot alter them by law

If you know that you need an IVA and wish to apply today, please fill out our online IVA application form.

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If you want more information about the alternatives to an IVA, then read our online Debt Management Guide

Want to hear what others say about us?

" Before I contacted your debt helpline I was not sure about an IVA because advice I had previously obtained warned me against the IVA. Your advisor explained ... "

"Recently, my husband passed away. I was left with all the bills and only my wage. I found your company through a friend and your help and confidential ... "

"My debts are well managed and I am sleeping again. Thanks for all your debt help and support. I now have the relief of no more horrible letters ... "

If you would like to read these testimonials in full or any of the others please visit our testimonial page for full details.

To find out how we can help you start to clear your debts, fill in our contact form or call 0800 018 3345 Now!