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.

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.

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.

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.

MAP

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

Debt Relief Order (DRO)

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

Bankruptcy

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