To find out more about managing your money and getting free advice, visit Money Helper, independent service set up to help people manage their money.

Write off up to 81% of your debt

Answer a few simple questions and find out what debt solutions are available to you.

Safe, secure & confidential
May not be suitable in all circumstances. Fees may apply, read here. Entering into an IVA will affect your credit rating, read here.

Freeze all interest & charges

Write off unsecured debts over £5,000

Reduce monthly repayments

To find out more about managing your money and getting free advice, visit Money Helper, independent service set up to help people manage their money.

What debt solution is best for me?

Individual Voluntary Agreement (IVA)

An IVA is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts at an affordable rate.

Debt Management Plan

A debt management plan, also known as a DMP, is an informal solution designed to reduce your monthly payments towards your debts.

Trust Deed

A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £5,000 or more of unsecured debt.

Debt Arrangement Scheme (DAS)

A debt arrangement scheme (DAS) is a legal debt management scheme first introduced as a way to help people repay their debts.

England, Wales, NI

Scotland

Individual Voluntary Agreement (IVA)

An IVA is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts at an affordable rate.

Debt Management Plan

A debt management plan, also known as a DMP, is an informal solution designed to reduce your monthly payments towards your debts.

Trust Deed

A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £5,000 or more of unsecured debt.

Debt Arrangement Scheme (DAS)

A debt arrangement scheme (DAS) is a legal debt management scheme first introduced as a way to help people repay their debts.

How does it work?

Let's say you owe...

Bank Loan

£5,366.00

Gas Bills

£129.00

Pay Day Loan

£1989.00

Overdraft

£1,234.68

Debt Collection Agency

£380.16

Short Term Loan

£243.88

Debt Collection Agency

£471.61

Council Debt

£1,009.24

Credit Card

£8,433.00

Total amount owed:

£19,256.57

After an IVA

Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

How do I get started?

Answer a few quick questions

Use our easy online questionnaire to find out how much you can write off

Speak to a debt specialist

Our friendly, experienced team will explain all the available options

Choose your plan

Select the best fit for your circumstances and lifestyle

What our customers say

Advice & Support

I would highly recommend to anyone that's in trouble with debt.

Jemma – 11 September 2023