HOW IT WORKS
Getting debt help shouldn't feel complicated.
We'll take the time to understand your situation, explain your options clearly & help you decide what's right for you.
HOW IT WORKS
From first message to clear options.
Tell us whats going on
Start on WhatsApp or complete our short form. We'll ask some straightforward questions about your debt & circumstances.
Talk to a real person
One of our experienced advisors will take the time to understand yoru situation & what's essential to you.
Understand your options
We'll explain the solutions that may be available, including the benefits, risks, costs & how they could affect you.
YOU'RE ALWAYS IN CONTROL
Free, confidential & no pressure advice.
Getting advice doesn't mean committing to a debt solution. We'll explain your options & give you the information you need to make an informed decision.
Your Options
There's more than one way forward.
Everyone's circumstances are different. We'll help you understand the solutions that may be available & what each one could mean for you.
Individual Voluntary Arrangement (IVA)
Combine your debts into one affordable monthly payment with legal protection from creditors.
Debt Relief Order
(DRO)
A free debt solution that can freeze interest and write off qualifying debts.
Debt Management Plan
(DMP)
Make one manageable monthly payment while reducing pressure from creditors and regaining
Bankruptcy
(BKY)
A formal debt solution that can help clear unaffordable debts and give you a fresh financial start.
FREQUENTLY ASKED QUESTIONS
Got questions? We've got answers.
Is your advice really free?
Yes. Our debt advice is completely free and there’s no obligation to proceed with any solution. If a debt solution has fees or costs, we’ll explain these clearly before you decide whether to go ahead.
Will this affect my credit score?
Getting debt advice won’t affect your credit score. However, some debt solutions can affect your credit rating and may remain on your credit file for a number of years. We’ll explain the potential impact of each option before you make any decision.
How long does the process take?
Getting started only takes a few minutes. We’ll take the time to understand your circumstances before explaining the debt solutions that may be available to you. How long it takes from there depends on your situation and the solution you choose.
Do I have to commit to anything?
No. There’s no obligation to proceed. Our job is to help you understand your options, including their benefits, risks and alternatives, so you can make an informed decision that’s right for you.
