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Apply online for help To get the right help for your situation, take two minutes to answer a few simple questions, so we can understand the best way to help you.

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What is the total amount of your debt?
Please select an option below:

How many debts do you have?

What is your employment status?

Good News! We can help you. We just need a few details...

    First name*

    Surname*

    Email*

    Mobile*

    By clicking 'Get Results' you confirm you have read and agreed to our Terms & Policies.

    Whatever your circumstances, help is available. Whatever your circumstances, help is available.

    • You are not alone
      Dealing with debt can be stressful, try not to worry as every debt problem can be solved.
    • Try our debt solution finder
      If you’re worried that you need help with your finances then you should try our 60-second debt test. By answering a few simple questions we’ll be able to tell you which solutions are best for you.
    • Debt support & advice
      To help with immediate debt problems such as council tax, bailiff’s, bills and loans to give you breathing space. We’ll help reduce your debt so you can become debt free in the quickest way possible.
    • Everything will be taken care of
      From speaking with your lenders, paperwork and getting things set up. Any details you give us will be kept strictly confidential.

    Services

    Individual Voluntary Arrangement

    Is a formal agreement with your creditors to consolidate your debts and write off the rest upon completion.
    Learn more

    Debt Management Plans

    An informal arrangement between you and your creditors to pay back your debts.
    Learn more

    Debt Relief Order

    Write off your debts if you can’t afford to pay them. This is dependent on the level of debt.
    Learn more

    Bankruptcy

    If you can’t afford to pay back debts, this is an option. However, assets may be at risk.
    Learn more

    Trust Deed

    A formal debt solution for Scottish residents. Consolidate debts into one low monthly payment.
    Learn more

    Debt Arrangement Scheme

    An informal arrangement for Scottish residents to pay back debt in affordable monthly payments.
    Learn more

    Customer Feedback

    “They changed my life with their advice and I can look forward to living debt free, something I could have never done on my own. Supportive staff who listen first then offer choices so I could choose the best option for myself. I felt in control and positive about how I am handling my debts.”

    Sue, Yorkshire

    Here's an example of how we can help

    Example Unsecured Debt

    • Loan £11,152
    • Loan £2,226
    • Loan £302
    • Credit card £2,395
    • Credit card £648
    • Council £172
    • Payday loan £1,408
    • Total owed £18,303

    Before on IVA £470

    (TOTAL CONTRACTUAL REPAYMENTS)

    After on IVA £115

    (TOTAL CONTRACTUAL REPAYMENTS)

    Reduced By 76%

    * monthly payments are based on individual financial circumstances

    What debt are you most concerned about?

    Credit Cards

    Payday Loans

    Store Cards

    Overdrafts

    Personal Loans

    Lines of Credit

    Business Debt

    Catalogues

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

    Get immediate help with debt. Apply online today!