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Take control of your finances

Clear up to 85% of your debt

Freeze interest and charges

Government approved help

Combine debts to one easy payment

Start Your Free Assessment

How does a debt solution work?


If you are in personal debt of over £5,000 but can afford to pay around £100 a month towards it, we have a government approved debt solution for you. Our solutions can help freeze your debts, stop creditors chasing monies owed and allow you to pay the debt back over a set period.

Any money you still owe after this period is then written off. This works by all parties agreeing that you will pay back an affordable amount each month towards your debt - this can be as little as £90 per month.

The easiest way to check if you qualify is to complete our online form, which will tell you how much of your debt you could write off and how to proceed. Our experienced team of advisers are qualified to support you on your debt free journey every step of the way. Our aim is to alleviate the stress and financial worries caused by your debt.

Get back on track in 3 easy steps


Step 1

Step 2

Step 3

Take control of your finances today

How your debt is managed


Below is a typical example of how your debt solution may work, showing the maximum debt reduction.

£28,000

Your total debt owed

£19,600

Amount of debt written off

£8,400

Money now owed

£140

New monthly payments

Great customer service from Nick highly recommend him guided me through the whole process excellent service thanks again


Billy Foster

London

Excellent service, saved me looking around. Great regular communication and overall has saved me £350pm.


Eve Calpin

Manchester

The whole process went very smoothly. All my questions were answered in an informative way. What more could you ask for?


Edward Woods

Edinburgh

Frequently asked questions


What is an IVA?+

An IVA or Individual Voluntary Arrangement is a means to handling debt whereby the user has debts greater than £5000 to more than one creditor

Why would creditors accept an IVA?+

Creditors generally see an IVA as a more beneficial option to bankruptcy as they are likely to receive more money. Most of those who enter an IVA would alraedy be behind on monthly payments, or have been passed to debt collection specialists.

Will my interest be frozen? +

Although not guaranteed, this would be a factor included in any negotiations. Lenders can opt out from such plans, however they will understand they are more likely to receive funds when the user can actually afford the repayments.

How long does a plan last?+

This will vary depending on the amount owed and your disposable income. You will make payments until the agreed amount is repaid. Lowering or increasing your payements will directly affect the timescales of your repayment

What if my income changes?+

In the event your income changes, it is advised you should inform your practitioner. A change in income can result in your monthly payment being changed accordingly. Additionally any future windfall you may receive may be taken into consideration.

Will creditors still contact me?+

Creditors are not permitted to continue persuing you. Should a creditor contact you in future you can forward them to your practitioner. The practtitioner will get intouch with the creditor to deal with their issue.