See if you could:
Does that budget seem affordable & sustainable for you?
I feel as if a massive weight has been lifted
Authorised and regulated by the Financial Conduct Authority. Advice is free but fees and disadvantages may apply if you enter a debt help solution. May not be suitable for all. Solutions apply to unsecured debt only. Read here.
Our advisors will explain the pros and cons of each option, including any risks, costs, and impact on your credit file, so you can choose the solution that’s right for you.
Some formal debt solutions may stop interest and charges.
Some formal debt solutions may stop interest and charges.
You could base your repayments on what you can reasonably afford after essential living costs.
You could base your repayments on what you can reasonably afford after essential living costs.
Creditor contact may reduce once a debt solution is in place.
Creditor contact may reduce once a debt solution is in place.
Some formal debt solutions may stop interest and charges.
Some formal debt solutions may stop interest and charges.
You could base your repayments on what you can reasonably afford after essential living costs.
You could base your repayments on what you can reasonably afford after essential living costs.
Creditor contact may reduce once a debt solution is in place.
Creditor contact may reduce once a debt solution is in place.
We'll guide you through the short and long-term impact, so you can choose with confidence.
We'll guide you through the short and long-term impact, so you can choose with confidence.
Certain solutions can lead to some debts being written off at the end of the solution.
Certain solutions can lead to some debts being written off at the end of the solution.
Instead of juggling lots of bills, your unsecured debts could be combined into one affordable monthly payment, based on your income and household budget.
*Calculations are based on projected average write off data for IVAs and Trust Deeds approved in 2024. Debt write-off is subject to individual circumstances. Monthly payments may vary. Other solutions are also available. Fees & disadvantages may apply. Not all applicants are eligible.
If you're struggling with unaffordable unsecured debt you could be eligible to write off part of what you owe. UK residents have a right to debt relief and there are a number of tried and tested debt solutions that could help not only write off unsecured debt but could also reduce pressure from creditors and freeze interest and charges on included debt.
These options may affect your credit rating and can involve fees. They're not suitable for everyone, and disadvantages apply. It's best to speak to a debt adviser to explore your options.
Appointments available
We’ll begin by understanding your income, living expenses and your debts.
We’ll talk through all the options you’re eligible for going through the pros & cons of each.
Choose the best solution to manage what you owe that could lower monthly payments.
We’ll begin by understanding your income, living expenses and your debts.
We’ll talk through all the options you’re eligible for going through the pros & cons of each.
Choose the best solution to manage what you owe that could lower monthly payments.
I got myself in a hole and needed the…
I got myself in a hole and needed the help. Spoke to a lady called Tina who was great and understood my situation and offered me options on how to deal with it. 2 weeks later the option I picked has kicked in and its a relief! Deffo recommend. Easy process
Hamza ali Azad
Bhavesh was amazing
They constantly reassured me and asked if I was comfortable continuing. I didn’t feel overwhelmed and I felt listened to and not judged. They gave me chances to ask questions and continuously checked my understanding. I will definitely sleep better tonight after my appointment!
Carol Smith
I was overwhelmed with my situation
I was overwhelmed with my situation after my circumstances had changed. I did not know how to overcome the escalating debt.I spoke with Steph Hodge. She was so kind and very patient with a non judgmental approach.I can’t thank her enough for reassuring me and giving options for a resolve on my all consuming debt issues!
Andrea Markwick
Not usually. If the debts are solely in your name, your partner’s credit file or finances shouldn’t be affected. However, if you have joint debts or shared financial agreements (like a joint loan or mortgage), your partner may be impacted. It’s important to speak to your advisor to understand your specific circumstances.
Yes, you should continue making payments to your creditors until your debt solution is agreed and in place. Missing payments before then could lead to additional interest, charges, or enforcement action. Once your solution starts, payments will usually be made through your provider.
Yes, most debt solutions will have a negative impact on your credit file and will be recorded for six years. However, if you’re already behind on payments or struggling with debt, your credit score may already be affected. A solution can help you take control and work towards rebuilding your credit over time.
You may still be able to get a mobile phone contract or vehicle finance, but it could be more difficult. Lenders may see you as higher risk, so your options may be limited or come with higher interest rates. It’s best to speak to your provider before taking on any new financial commitments.
All advice provided by UK Debt Expert is free. However, some debt solutions do include fees, and will be explained in full before you commit.
In most cases, no. However, some professions—particularly in finance, law, or roles requiring security clearance—may be affected. Check your employment contract or speak to your HR department if you’re unsure.
Unsecured debt is borrowing that isn’t tied to an asset, such as credit cards, personal loans, or overdrafts. Secured debt, like a mortgage or car finance, is linked to an item that the lender can reclaim if you fall behind on payments. Most debt solutions only cover unsecured debts.
It depends on your individual circumstances. Some people can write off a significant portion of their unsecured debt—sometimes up to 80%—but this varies based on what you can afford to repay over the term of your plan and is subject to creditor approval. A qualified advisor can help you understand what might be possible for you.
