Discover the right debt solution for you

We understand how challenging debt can be, but there is a way forward. Whether you're struggling with payments or overwhelmed by interest, the right solution can make all the difference. Take a look at the solutions below, or let us guide you through the best choice for your situation. Our friendly team is here to offer free, confidential advice with no pressure.

IVA
Individual Voluntary Arrangement
Struggling with unaffordable debt? An IVA lets you reduce your monthly payments and write off a large portion of what you owe. Freeze interest and stop creditor contact while paying back what you can afford over five years.
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DMP
Debt Management Plan
A DMP helps you repay debt at a pace that suits your budget. Combine multiple debts into one affordable monthly payment while many creditors agree to freeze or lower interest and charges.
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Bankruptcy
A legal fresh start
If you have overwhelming debt and no way to repay, bankruptcy provides a legal fresh start. It clears most debts, though it may affect your assets and credit rating. Learn if this is the right solution for you.
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DRO
Debt Relief Order
A DRO is a low-cost alternative to bankruptcy for those with minimal income and assets. It pauses debt repayments for 12 months and may write them off entirely if your situation doesn't improve.
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Breathing Space
60 days of legal protection
Need time to sort out your debts? The Breathing Space scheme gives you 60 days of legal protection from creditors — freezing interest, fees, and enforcement while you get advice.
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MoneyHelper is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services.