Find Your Path To Debt Freedom

Our vision & promise is to offer a safe place for people with unsecured debts to find help and support.

Our services come without jargon. We are open, honest and helpful.

Getting free impartial advice.
Money Helper is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services. Visit moneyhelper.org.uk.

Find the right solution for you

Helping people find their most suitable debt solution

Individual Voluntary Arrangements

For those who qualify, an IVA allows for affordable repayments and typically writes off a significant amount of debt.

An IVA may not be suitable in all circumstances. Fees apply. Your credit rating may be affected

Bankruptcy – is it right for me?

We’ll help you decide if bankruptcy is your best option and explain any implications.

If you’re a homeowner, either solely or with a partner – we will look to see how bankruptcy could impact all parties.

Debt Relief Orders

A Debt Relief Order (DRO) is a way to deal with your debts if you don’t own your home, don’t have much spare income and your debts are no more than £50,000.

Debt Management

With debt management, all eligible unsecured debts are put into one payment you make to a debt management company, who then makes payments to creditors on your behalf.

Breathing Space

Breathing Space is an option that gives you temporary protection from the creditors you owe money to if you’re struggling with debts.

Also known as the Debt Respite Scheme is a legally enforced scheme that allows you time to seek professional debt advice. Your creditors are unable to chase the debts.

Negotiated Agreement

Simply communicating to your creditors can be a positive step towards solving problem debts.

This is a way to reduce your debt repayments by explaining to your creditors you’re having difficulties – but want to repay your debt as best you can.

Debt Consolidation

A consolidation loan is credit taken out to pay off existing debts, putting them into one monthly commitment.

Debt consolidation loans are suited to those in employment but struggling with repayments, but otherwise financially mature enough to know that further borrowing should only be used as a route to payback what’s already owed.

Remortgage & Equity Release

A remortgage debt solution is taking multiple unsecured debts and adding them to debt secured on a property.

Also known equity release, a remortgage, allows money tied up in a property or other asset to be made available to pay unsecured creditors.

Getting free impartial advice

Money Helper is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services. visit Moneyhelper.org.uk