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Write off up to 81% of your unsecured debts

Write off up to 81% of your debt with an IVA

Government legislation can help you

Safe, secure & confidential

May not be suitable in all circumstances. Fees may apply, read here. Entering into an IVA will affect your credit rating, read here.

“I’d highly recommend to anyone struggling with their debts.”

ALEX HOWIE

Write off unsecured debts over £5,000

Stop interest and charges soaring

Reduced payments from £100 per month

Why choose Your Debt Expert?

182,000

People we’ve helped with debt

UK's biggest

IVA provider

14,000

Reviews on TrustPilot

Our 3 step process

Get started

Answer a few quick questions to check if you qualify to write off debt

Speak to an expert

Chat to a debt expert for your personalised plan

Relax

Leave the rest to us and get back to enjoying life without money worries

What debt are you most concerned about?

Credit Cards

Payday Loans

Store Cards

Overdrafts

Personal Loans

Lines of Credit

Business Debts

HMRC Debt

Popular Debt Solutions

IVA - England, Wales, NI

An individual voluntary arrangement (IVA) is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts over a period of time at an affordable rate.

Trust Deed - Scotland

A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £5,000 or more of unsecured debt.

Here's an example of how we can help

Let's say you owe...

Bank Loans	£11,152
Short Term Loans	£2,226
Phone Bills	£302
Credit Cards	£2,395
Store Cards	£648
Debt Collectors	£172
Overdraft	£1,408

Total amount owed: £18,303

Customer monthly repayments before and after an IVA.

Reduced by 76%

Monthly payments are based on individual financial circumstances

To find out more about managing your money and getting free advice, visit Money Advice Service, independent service set up to help people manage their money.

* A debt write off amount of between 25% and 75% is realistic, however the debt write off amount for each customer differs depending upon their individual financial circumstances and is subject to the approval of their creditors. The example provided of 81% has been achieved by 10% of our customers in the last 12 months.

Your Debt Expert is a trading style of Creditfix Limited, company number 432293. Creditfix Limited is a registered data controller, registered with the Information Commissioner’s Office (ICO); registration number Z2445731.

Address – Avonlea, Demesne, Lucan, Co Dublin
IP Number – 9287
Data Protection – Z2445731
Company number 432293

David Rankin, Lucy Griffin, Katy Walker and Tracy Whittaker are authorised in the UK to act as Insolvency Practitioners by the Insolvency Practitioners Association.

This website (https://www.yourdebtexpert.com) is in no way approved by the Government. However, the product (IVA) which we specialise in and is processed and managed by our Insolvency practitioners is covered under the following legislation: The Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise Act 2002) introduced a new procedure whereby a debtor could come to an arrangement with his/her creditors to pay his/her debts in full or in part over time as an alternative to bankruptcy. Our advisors will be able to go through all your debt options including IVA (Individual Voluntary Arrangement) opportunities which are available for people living in England, Wales and Northern Ireland. Help can only be offered following an initial fact-finding process. For full details view our privacy policy. Your Debt Expert is a trading style of Creditfix Limited. An Individual Voluntary Arrangement (‘IVA’) is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Initial advice is free and there is no obligation to proceed into an arrangement. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your personal circumstances. These fees will be clearly explained to you in writing by your advisor. Debt write off amounts are subject to creditor acceptance and vary by individual.