Helping to free people from debt every day since 1993

We're proud to have helped over 200,000 people get out of debt since 1993. Whatever problems you're up against, we could help you too.

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Real people who understand the problems you're facing

We know how stressful debt can be - but there's no need to face it alone. With our help, you could look forward to a debt-free future.

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Taking care of your money worries, leaving you to enjoy your life

We understand what it takes to get out of debt. With us on your side, you'll have more time for the things that really matter in life.

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Debt management help centre Debt management help
Try our debt solution finder

We will give you a call to talk through your options.

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See how debt management works

See how a debt management plan could help reduce your monthly repayments.

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Top 5 tips for
beating debt

Read our top 5 expert tips on how to beat debt and deal with your lenders.

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Advice you can trust

We are members of DEMSA helping the debt management industry work better.

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Please remember, our debt solution finder is just an information tool. One of our advisors will be in touch to answer any questions you may have and offer you more personalised advice on how to resolve your debt problems.

How can debt management help me?

If you've taken on bigger monthly unsecured debt repayments than you can afford and it's making it difficult to pay for the essentials, debt management could be one of the options you look at to even things out.

Perhaps your circumstances have changed or your living costs have increased. Whatever the reason, a debt management plan could help you cope with the problem. A plan would not include any secured loans (like your mortgage, for example) and you would need to keep paying these seperately.

At Gregory Pennington we've helped over 200,000 people get out of debt. Our expertise means we can assess whether debt management's suitable for you in a single call.

Did you know?

We have over 20 years' experience providing debt management plans.

With excellent working relationships with all the major lenders, your debt management plan stands every chance of succeeding.

A debt management plan could:

Do be aware that repaying your debts more slowly than originally agreed will affect your credit rating, so borrowing more money could be difficult.

Did you know?

With expert help, getting out of debt can be easier than you think.

Call our confidential advice line on 0800 161 3516 or use our solution finder to see if debt management is the right option for you from all those available.

Why is a debt management plan effective?

Why do I need a Personal Finance Manager?

At Gregory Pennington we've found that the best way to help you succeed on your debt management plan is to give you your own 'finance manager' to talk to about your finances, whenever you need. That way you'll be dealing with someone who knows your finances inside out and knows you - instead of being passed to a different person every time you call.

What if debt management isn't right for me?

Because we offer a wide range of debt solutions our advisors can assess whether an IVA, Debt Relief Order (DRO), debt consolidation or bankruptcy may be more suitable for your circumstances. We also provide solutions for Scottish residents and can advise on the Debt Arrangement Scheme (DAS), LILA and Trust Deeds.

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Money Advice Service

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Fees & key info

Read more about the fees involved with each of the solutions we provide.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Customer reviews 96%

of our customers are pleased with our service.

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Conditions Apply. Repaying your debt over a longer period of time can increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and may also be affected in the medium to long term. Fees are payable when continuing service is provided.
Customers' stories
Mr M.D.Somerset

"Everyone I've dealt with has been practical, helpful, calm, non-judgemental and efficient. I'd recommend this service to anyone."

Ms C.I.London

"They took all the worries of dealing with phone calls and letters away from me and kept me informed of what was going where."

Mrs K.H.Norfolk

"From start to finish I felt as though I mattered. My case was dealt with care. I would definitely recommend your services."

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Useful guides and budgeting tools

Try our budgeting tools and download our self-help guides to sorting your finances.

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