Debt Solutions

A debt solution is a way to deal with what you owe, based on your circumstances. We’ll listen, talk you through your options and help you decide on a solution that fits.


Call now for debt advice

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

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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.

How we can help

A debt solution helps you deal with what you owe in a more manageable way. Debt solutions can affect your credit rating
and aren’t right for everyone. 

Debt solutions can affect your credit rating and aren’t right for everyone. There’s no one-size-fits-all answer, which is why we take the time to understand your situation and explain what might work for you.

Debt Solutions

Take a look below at some of the debt solutions we can help with:

  • 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

Get help today

FAQs

We’ll take a full look at your situation and explain the options that suit you best. We aim to do this clearly and without pressure.

Yes. Most debt solutions impact your credit rating and may stay on your credit file for six years. We’ll explain the risks clearly before you make any decisions.

Not necessarily. If you choose to go ahead with a debt solution, we can usually contact your creditors for you and keep them informed.

Creditor contact will often reduce or stop once you start a debt solution.

No. You’re in control. We give you advice so you can make the right decision when you’re ready.

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
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