Debt solutions

Find out about our complete range of debt solutions.

Debt management plan

A new repayment plan, arranged with our help, that could lower your monthly unsecured debt repayments.

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IVA (Individual Voluntary Arrangement)

An affordable repayment plan that writes off the unsecured debt you can't afford on successful completion, normally in five years.

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Debt Arrangement Scheme (DAS)

An affordable repayment plan, protected by Scottish law, that helps you repay your debts over a longer period agreed by your lenders.

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Trust Deed

A repayment plan that writes off the unsecured debt you can't afford when your Trust Deed reaches a successful conclusion, normally after three years of paying as much as you realistically can.

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A form of bankruptcy for people with few valuable assets and a debt value between £1,500 and £17,000.

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Debt Relief Order (DRO)

An alternative to bankruptcy for low-earners. Writes off your unaffordable unsecured debts after a year.

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A way of dealing with debts you simply can't afford to repay. Unaffordable unsecured debts are written off, normally after a year.

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Need expert help with your debts? Complete our form to request a callbackRequest a callback
  • 0161 669 8925
  • 0161 669 8925

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Money Helper

To find other sources of free advice visit Money Helper. It's here to listen and give free, impartial, trusted guidance. Based around you and backed by government.

Please remember, the form above 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.
About us

We've been helping people get out of debt for almost 20 years. Read more about what we do and the charities we support.

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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.

Debt solutions subject to conditions and acceptance. Credit rating may be affected. Fees payable if continuing services provided. Repaying debt over longer may increase the total amount to be repaid.
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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