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Answer a few questions to let us know about what you owe.
Our expert will check your eligibility for all UK debt solutions.
Choose the best solution to manage what you owe with lower monthly payments.
The UK Debt Expert Group has helped over 270,000 people in the UK deal with their debt
And others… we’re here to help
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.
Name: Claire
Expertise: General debt concerns
Reviews
“Claire from UK Debt Expert is absolutely fantastic – she saved me and I can’t thank her enough. She was understanding and made me feel at ease and sorted out the horrible situation I am in. 100% great at her job and like I say I can’t thank her enough.”
“When I phoned for debt advice I was apprehensive and ashamed but I was immediately put at ease by Claire. She explained everything to me and was the model professional in guiding me. Claire was absolutely amazing and had so much patience with me and talked me through everything. I’m genuinely grateful that she didn’t rush me on making a decision and any questions I needed answering she answered them straight away. I cannot thank her enough.”
“So happy I finally reached out, I avoided it for months but Claire was so helpful and a solution has been found that makes my stress so much lighter. If you are feeling like there’s no way out, try these guys. Claire and Jo are both very understanding and supportive!”
Name: Oliver
Expertise: Credit card debt
Reviews
“Oliver was amazing, so kind, patient and understanding. It has taken months to pluck up the courage to seek help but knowing Oliver had similar experiences put me at ease to tell him everything. It feels like a huge weight has been lifted and I can now look forward to getting my life back in some kind of order again. I am truly grateful.”
“I can not thank Oliver enough. He has guided me on the right path, advised me very well, and explained in detail. Now I can get my life back on track. Once again thank you Oliver for all your help and support.”
“Oliver was very helpful and made my bad situation feel breathable again. Thankyou for your fantastic service.”
Name: Isaac
Expertise: Council tax debt
Reviews
“Excellent service. Isaac made me feel much better about my debts and by the end of everything I could breathe a sigh of relief would highly recommend it.”
“Isaac was very helpful and very understanding. The service was faultless.”
“Had a great experience dealing with Isaac. He was very efficient and professional whilst handling my case. Would definitely recommend.”
Name: Simon
Expertise: Overdraft debt
Reviews
“Speaking with Simon. He’s been fantastic, has explained and been a great help through this difficult process. What a fantastic guy”
“I dealt with Simon from UK Debt Expert, he was amazing. He was so informative and helpful, it made me feel at ease. Went through many options and supported us with making a choice.”
“These guys are brilliant. My consultant Simon was so thorough and explained everything very well. He put my mind completely at rest and made the process so easy. I wish I had done this sooner. Very efficient and professional. No judgements.”
Name: Danielle
Expertise: Loan repayments
Reviews
“Danielle never once rushed us or judged us once. Danielle was like a guardian angel on my shoulder today, thank you Danielle ever so much for your help, guidance and understanding. You are amazing and we feel as a family better and happier than we have ever been for a very long time.”
“Very helpful explained things well Danielle and Ross was amazing 5 stars gor there work and reassuring me.”