Credit cards, loans, overdrafts, store cards, phone bills, council tax, utilities - it doesn't matter what you owe - we can help
With a solution in place you will be legally protected and can't be chased for any debts you owe
There is no upfront cost for any of the help & advice we give
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.
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.
Mike is just one of the many people we have helped get back in control. Contact us today to see if you qualify
Use our online debt tool to see which solutions are available
Get bailiff help, stop court action and bankruptcy. No more debt stress!
Reduce payments and get up to 85% of your debt written off
"I wish I'd got help sooner - now I'm back in control and can see a better future"
"With our debts under control, we can focus on our children. It's helped our family so much"
"They helped me get back on my feet and it was all so simple"
Complete the Online Debt Tool to find out which solutions you qualify for
One of our friendly team will call you to explain the solutions and next steps, including any bailiff help you need.
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
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.
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.
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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