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.

Guardian Debt Solutions

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

more on IVAs

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

more on Bankruptcy

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 £50,000.

  • All qualifying debts written off
  • No payments to make
  • Full legal protection
  • No application or setup fee

more on DROs

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

more on Debt Management

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.

more on Breathing Space

Negotiated Agreement

Simply communicating to your creditors can be a 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.

more on Negotiated Agreement

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.

more on Debt Consolidation

Remortgage & Equity Release

A remortgage 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.

more on Remortgage & Equity Release

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