Write off up to 81% of your debt

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

Help also available at MoneyHelper

Freeze interest & charges on included debts

Write off unsecured debts over £7,000

Reduce monthly repayments

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How do I get started?

Answer a few quick questions

Use our easy online questionnaire to start the debt help process.

Speak to a debt specialist

Our friendly, experienced team will explain all the available options.

Choose your plan

Select the best solution for your circumstances and lifestyle.

What debt solution is best for me?

Individual Voluntary Agreement (IVA)

An IVA is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts at an affordable rate.

Debt Management Plan

A debt management plan, also known as a DMP, is an informal solution designed to reduce your monthly payments towards your debts.

Trust Deed

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.

Debt Arrangement Scheme (DAS)

A debt arrangement scheme (DAS) is a legal debt management scheme first introduced as a way to help people repay their debts.

England, Wales, NI

Scotland

Individual Voluntary Arrangement (IVA)

An IVA is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts at an affordable rate.

Debt Management Plan

A debt management plan, also known as a DMP, is an informal solution designed to reduce your monthly payments towards your debts.

Trust Deed

A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £6,500 or more of unsecured debt.

Debt Arrangement Scheme (DAS)

A debt arrangement scheme (DAS) is a legal debt management scheme first introduced as a way to help people repay their debts.

How does it work?

Let's say you owe...

Bank Loan

£5,366.00

Gas Bills

£129.00

Pay Day Loan

£1989.00

Overdraft

£1,234.68

£380.16

Short Term Loan

£243.88

Debt Collection Agency

£471.61

Council Debt

£1,009.24

Credit Card

£8,433.00

Total amount owed:

£19,256.57

After an IVA

Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

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