You don't have to face debt alone
Understand your options — IVAs, DROs, debt management plans. Free, confidential assessment in 60 seconds.
See My Options →Debt solutions available to you
Each solution suits a different level of debt and circumstance. Here's an honest overview — we won't push you toward one that doesn't fit.
Individual Voluntary Arrangement
A formal, court-approved agreement to repay what you can afford over 5–6 years. Remaining unsecured debt is written off at the end.
Learn about IVAs →Debt Management Plan
An informal arrangement to pay creditors a single monthly amount you can afford. Flexible — but not legally binding on creditors.
About DMPs →Debt Relief Order
For debts under £20,000, low income and minimal assets. A 12-month moratorium after which qualifying debts are written off.
About DROs →Bankruptcy
A last-resort legal process that writes off most debts within 12 months. Serious consequences — but sometimes the right option.
About bankruptcy →Council Tax Arrears
Council tax debt is treated differently from consumer debt. We explain your rights and how to deal with enforcement agents.
Council tax help →Debt Consolidation
Combining multiple debts into one payment. Useful in some circumstances, risky in others — we'll tell you if it's right for you.
Consolidation guide →How it works
A simple, transparent process — no jargon, no pressure.
Answer a few questions
Tell us about your debts, income and situation. Takes about 60 seconds. Nothing is shared without your consent.
We match you to the right solution
Based on your answers, we identify which debt solutions may be available — and which one fits your circumstances.
A free call with an advisor
An advisor contacts you within 24 hours to talk through your options. No obligation, no upfront fees.
Start your debt-free plan
If a solution is right for you, your advisor sets everything up. Most plans complete in 60 months.
Let's be honest about the risks
- An IVA stays on your credit file for 6 years, making borrowing more difficult and expensive during that time.
- Missing two or more IVA payments can lead to termination — and potentially bankruptcy.
- Formal solutions (IVA, DRO) involve fees paid from your monthly contributions or as a one-off charge.
- Your details appear on the Individual Insolvency Register, a public record, for the duration of an IVA or bankruptcy.
- Secured debts (mortgage, car finance) cannot be written off through these solutions.
Your rights when dealing with debt
You have legal protections. Knowing them puts you in control. Here are the essentials:
- → What actually happens if you don't pay
- → Step-by-step guide to getting out of debt
- → Council tax arrears and your rights
- → Full FAQ — every question answered
Free, impartial debt advice is also available from StepChange, Citizens Advice, National Debtline and MoneyHelper. We will always signpost you to these services.