Money Advisory Centre

A clear approach to managing debt

Our goal is simple: help you take control of your finances with clear, tailored debt advice
from people who understand what you're going through. Our support is confidential,
expert-led and focused on what’s right for you. 

Call now for debt advice

Some debt solutions have fees. We’ll always explain any costs upfront with no pressure to go ahead.

Money Helper

You can find free debt advice and options to manage your debts from MoneyHelper. You can visit their website at moneyhelper.org.uk to find out more.

Take control of your debt

We think getting help with your debts should be a clear and straightforward experience. Here’s what you can expect:

Get back on track

Whether it’s arranging an affordable repayment plan, considering options to write-off debt or just giving you space to breathe - we’re here to help you take the next step with confidence.

  • Debt Management Plan (DMP)

    One affordable monthly payment until your debt is paid in full.

    Explore DMPs

  • Individual Voluntary Arrangement (IVA)

    A formal agreement to repay what you can over five to six years.

    See how an IVA works

  • Bankruptcy

    A legal process to clear your debts if you can’t afford to repay what you owe.

    Understand bankruptcy

  • Debt Relief Order (DRO)

    An alternative to bankruptcy if you have a low income and few assets.

    Find out about DRO’s

Not all debt solutions are suitable for everyone. We’ll help you explore the right options based on your circumstances.

FAQs

We’ll ask for details about your income, spending and debts. It’s helpful to have recent bank statements, payslips and letters from creditors but don’t worry if you don’t have everything to hand.

We’ll go through your financial situation, including:

  • how much you owe
  • who you owe
  • what you earn and spend

This is so we can give you advice that’s tailored to your circumstances.

No. Getting advice alone won’t impact your credit score. If you start a debt solution your credit score might be affected. We’ll explain the pros and cons of each option so you can decide what works best for you. 

Start with a simple conversation

Call us on 0161 804 2923 for confidential advice on your options.

Monday to Thursday: 9am-7pm

Friday: 9am-3pm

  • Debt relief
  • Step-by-step guidance
  • Industry experts
Get help today