Our vision & promise is to offer a safe place for people with unsecured debts to find help and support. Our services come without jargon. We are open, honest and helpful.
Helping people find their most suitable debt solution.
For those who qualify, an IVA allows for affordable repayments and typically writes off a significant amount of debt.
An IVA may not be suitable in all circumstances. Fees apply. Your credit rating may be affected.
More on IVAsWe’ll help you decide if bankruptcy is your best option and explain any implications. If you’re a homeowner, either solely or with a partner – we will look to see how bankruptcy could impact all parties.
More on BankruptcyA Debt Relief Order (DRO) is a way to deal with your debts if you don’t own your home, don’t have much spare income and your debts are no more than £50,000.
More on DROsWith debt management, all eligible unsecured debts are put into one payment you make to a debt management company, who then makes payments to creditors on your behalf.
More on Debt ManagementTemporary protection from the creditors you owe money to if you’re struggling with debts. Also known as the Debt Respite Scheme, it is legally enforced and gives you time to seek professional debt advice – your creditors are unable to chase the debts.
More on Breathing SpaceSimply communicating with your creditors can be a positive step towards solving problem debts – a way to reduce repayments by explaining you’re having difficulties but want to repay as best you can.
More on Negotiated AgreementA consolidation loan is credit taken out to pay off existing debts, putting them into one monthly commitment – suited to those in employment who are struggling with repayments, but know further borrowing should only be used to pay back what’s already owed.
More on Debt ConsolidationTaking multiple unsecured debts and adding them to debt secured on a property, allowing money tied up in a property or other asset to be made available to pay unsecured creditors.
More on Remortgage & Equity ReleaseSpeak to our team in confidence, or send us a message and we’ll get back to you.