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Take the STRESS out of debt

Government legislation could write off up to 85% of what you owe

In 2018 over 100,000 people qualified for debt write off

Get help with your debt today

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Get Debt Free

We can help with any unsecured debt

Credit cards, loans, overdrafts, store cards, phone bills, council tax, utilities - it doesn't matter what you owe - we can help

Stop phone calls & letters

With a solution in place you will be legally protected and can't be chased for any debts you owe

Free help & advice

There is no upfront cost for any of the help & advice we give

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Meet Mike

Mike works full time. He had £13,000 of debt including council tax, a loan, two credit cards and a catalogue. He was trying to balance paying his rent, bills and car finance whilst paying over £350 to his debts.

How did we help Mike?

We reduced his payments so he now just pays £130 per month to cover all his debts. All of the interest and charges are frozen and Mike will have over £5,000 of his debt legally written off. 

Do you qualify?

Mike is just one of the many people we have helped get back in control. Contact us today to see if you qualify

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Save thousands of pounds by writing off debt you can't afford to repay

How we can help you

Get an Answer Fast

Use our online debt tool to see which solutions are available

Full Legal Protection

Get bailiff help, stop court action and bankruptcy. No more debt stress!

Debt Write Off

Reduce payments and get up to 85% of your debt written off

We have helped people just like you

Ms Wilson


"I wish I'd got help sooner - now I'm back in control and can see a better future"

Mr & Mrs Digby


"With our debts under control, we can focus on our children. It's helped our family so much"

Mr Adamson


"They helped me get back on my feet and it was all so simple"

Use Government Legislation to get back in control of your debt

1-2-3 simple steps

Get an answer online

IVA, bankruptcy, debt relief, debt help, bailiff, CCJ

Complete the Online Debt Tool to  find out which solutions you qualify for

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Speak to us

IVA, bankruptcy, debt relief, debt help, bailiff, CCJ

One of our friendly team will call you to explain the solutions and next steps, including any bailiff help you need.

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Take back control

IVA, bankruptcy, debt relief, debt help, bailiff, CCJ

We will help put the right solution in place so you can take back control of your money. Get bailiff help and stop bankruptcy today

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Save thousands of £'s by writing off debt you can't afford to repay

What are my options?


An Individual Voluntary Arrangement (‘IVA’) is a formal debt solution typically based around you making one affordable monthly payment for a fixed period of time (usually 5 or 6 years). At the end of the IVA any debt remaining is written off. An IVA is an alternative to bankruptcy for people in debt stress who can offer a regular payment, or lump sum to their debts, but cannot afford the monthly payments being demanded by creditors.

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Bankruptcy is a formal debt solution based around an online application to the insolvency service. Bankruptcy is for people who do not meet the criteria for a Debt Relief Order and have no assets to protect and/or no or little disposable income.

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Debt Relief Order

A DRO is a formal debt solution setup by making an application through an approved intermediary. It is basically a fast track bankruptcy, intended for people in debt stress who are on low-income and have little or no assets. If you owe under £20,000, are not a homeowner and can’t afford £50 per month towards your debts – you may qualify for a DRO.  

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