You can solve a serious debt problem

You can solve a serious debt problem if you Talk About your Debt with an expert advisor that offers free and balanced advice on which solutions are available and best for you.

We want you to talk to a highly experienced trusted debt advisor, not an advisor that wants to sell you a solution and maximise profits.

To help you, we’ve compared the UK's leading debt advice companies and charities and know which companies we think you should contact and which to avoid.

If you Talk About your Debt today, you've got every chance of making your debts affordable, repayable over a reasonable amount of time, and you can protect important assets like your home.

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Consolidation Loan

  • With a consolidation loan you use the equity you have in your home to secure a loan that pays off your debts
  • Pay one manageable monthly loan repayment
  • This solution minimises the impact on your credit rating and is fast to put in place
Your best option? >>

IVA

  • The IVA can help you write off the part of your debt you can afford – sometimes as high as 75%
  • Pay what you can afford over 60 months
  • Your home is protected
Your best option? >>

Debt Management

  • Debt Management is an informal agreement to pay your creditors an affordable amount each month
  • The debt management company will attempt to negotiate a freeze in interest and charges
Your best option? >>

Bankruptcy

  • A last resort solution that used at the right circumstances can often be the answer
  • Get professional debt advice before considering bankruptcy
Your best option? >>
 

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Popular Questions

Our Research Findings: 88% - the percentage of people who kept awake at night, 75% - the percentage of people who have debt affect their work, 71% - the percentage of people whose debts are affecting their health, 61% - the percentage whose debts are affecting their love life, 60% - the percentage who are turned down for credit when checked, 36% - the percentage who have borrowed at a very high interest rate, 30% - the percentage who are drinking more because of their debt

Featured Debt Stories

I bought a car from yes car credit in 2005, i returned the car voluntarily a month later with the promise that i would owe nothing unfortunately i dont have this in writing. I didn't hear anything from them about the debt until i checked my credit rating on Experian in 2009 where i had a default against me.
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My main debt is with the Halifax who repossessed my home over 12 years ago and sold it for around a third of its value, and are now chasing me and my ex for £44,000 Other debts are unsecured loans and credit cards. Mostly from a period of unemployment. The Halifax now want monthly payments way above what I can afford, or they will apply to make me bankrupt (they say).
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