Struggling with debt?

Our UK-based experts advise on solutions that could help you:

Help also available at MoneyHelper

May not be suitable for all. Fees and disadvantages may apply depending on solution, read here.

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Our 3 Step Process

Review

We’ll find out more about your current situation and finances.

Run through

We’ll discuss all the solutions you could be eligible for.

Recommendation

We’ll advise on the best solution for your needs.

We're Rated 5-Stars, Here's Why

We’ve helped over 250,000 people find a way to deal with their debt

Debt Solutions We Advise On

Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement (IVA) is a legally binding agreement that could help you write off a percentage of your debt. Typically lasting between five and six years, this solution may be an option if you owe more than £7,000 in debt.

Debt Management Plan (DMP)

A DMP is an informal solution that reduces your monthly payments towards your debts. Your monthly payments will be based on what you can reasonably afford. You may consider this solution if you’d like to repay your debt in full.

Debt Relief Order (DRO)

A DRO is a solution that could help people with a low-income manage their debt. In 12-months you’ll clear the debt you’re unable to pay. You might choose a DRO if you owe less than £30,000 and don’t have any savings or valuable items. 

Bankruptcy

Bankruptcy is a legally binding solution that allows people to clear all of the debt they owe. It should always be a last resort. All debts will be included in a bankruptcy, including mortgages, which means you’ll need to surrender your home to the agreement.

“UK Debt Expert were really helpful in explaining all options properly and thoroughly.”

Daisy

Why choose
UK Debt Expert

Free debt advice

that won’t affect your credit rating

We are rated 5 star by

more than 93%

on Trustpilot

We advise on all UK solutions

to help manage your debt

We’ve helped over

250,000

people with their debt

How Debt Advice Could Help

Trust UK Debt Expert

When it comes to finance, you want advice you can trust. Here’s why you can be confident we’ll help you find the best solution to deal with your debt.

12,700

people found our advice helpful

4,600

people would recommend or highly recommend us

2,600

people rated our customer service at least 4 out of 5

1,200

people said our experts were kind

1,000

People left a positive review calling out our advice

* Rreviews for the Creditfix Group

Frequently asked questions

Is a debt solution suitable for me?

If you’re struggling with unsecured debt, such as credit cards, loans or utility bills, you may consider a debt solution to manage what you owe. It’s important to be aware that there are many solutions available, each with its own eligibility criteria.

Before making a decision on entering any solution, it’s important to seek professional debt advice to find out more about each and ensure you choose the most suitable and sustainable solution for your situation.

The fact-finding and advice call is free. That call will explore all possible debt solutions applicable to you.

If you live in England, Wales and Northern Ireland, an IVA may be a suitable debt solution. An IVA will be provided by Creditfix and fees will apply.

If you live in Scotland, a Trust Deed or the Debt Arrangement Scheme may be a suitable debt solution. Trust Deeds and DAS will be provided by Carrington Dean Group Limited and fees will apply.

When considering a debt solution it’s important to be aware it will likely adversely affect your credit rating as it will show on your credit report for six years after it has been approved.

However, it’s important to note your credit score will likely already have been affected by being in debt in the first place.

In most cases entering a debt solution won’t affect employment. However, in certain professions, such as accountants and solicitors, having a formal arrangement in place may mean that you can no longer practice or you may only be able to practice under certain conditions. An advisor will be able to discuss this in more detail.

Entering into a debt solution can be a positive way to manage your debt and finances.

Many debt solutions offer the opportunity to combine several debt repayments into one monthly payment, based on your affordability.

An advisor will discuss all considerations with you before you make the decision to enter a solution.

We offer debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you.

All of our advice is free; however, fees will apply should you decide to enter into an arrangement.

These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.

Getting debt advice can be a positive way to manage what you owe. However, it’s important to be aware that while advice is free, fees may apply if you decide to enter into a debt solution. Debt solutions are subject to eligibility criteria and can negatively affect your credit rating.

The advantages and disadvantages for each solution can be found here.

An advisor will discuss all considerations with you in full to help you make an informed decision on how you choose to proceed.