Find Your Path To Debt Freedom

Our vision & promise is to offer a safe place for people in debt to find help and support.

Our services come without jargon. We are open, honest and helpful.

Getting free impartial advice.
Money Helper is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services. visit moneyhelper.org.uk.

Find the right solution for you

Helping people find their most suitable debt solution

Individual Voluntary Arrangements

Owe more than £8,000 and struggling with payments? An IVA may be a suitable solution.

A single, affordable payment
Debts typically reduced
Interest stopped
Full legal protection

Bankruptcy – is it right for me?

We’ll assess your situation to determine if bankruptcy or an alternative solution is more suitable.

All qualifying debts written off
No further legal action possible
Allows you to make a fresh start
Normally discharged after 12 months

Debt Relief Orders

A way to deal with debts if you don’t own your home, don’t have much spare income and owe no more than £30,000.

All qualifying debts written off
No payments to make
Full legal protection
Setup fee of only £90

Debt Management

Repay debts by affordable payments without the need for personal insolvency.

Payments based upon affordability
Interest freezing negotiated
Just one regular payment
Flexible

Breathing Space

Breathing Space is an option that gives you temporary protection from the creditors you owe money to if you’re struggling with debts.

Also known as the Debt Respite Scheme is a legally enforced scheme that allows you time to seek professional debt advice. Your creditors are unable to chase the debts.

Negotiated Agreement

Simply communicating to your creditors can be positive step towards solving problem debts.

This is a way to reduce your debt repayments by explaining to your creditors you’re having difficulties – but want to repay your debt as best you can.

Debt Consolidation

A consolidation loan is credit taken out to pay off existing debts, putting them into one monthly commitment.

Debt consolidation loans are suited to those in employment but struggling with repayments, but otherwise financially mature enough to know that further borrowing should only be used as a route to payback what’s already owed.

Remortgage & Equity Release

A remortage debt solution is taking multiple unsecured debts and adding them to debt secured on a property.

Also known equity release, a remortgage allows money tied up in a property or other asset to be made available to pay unsecured creditors.

Getting free impartial advice

Money Helper is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services. visit Moneyhelper.org.uk