Write off up to 81% of unsecured debt
- Write off unsecured debts over £7000
- Stop interest & charges soaring
- Reduce payments to affordable amount
My mentor was Nicole
I was very wary about moving forward with IVA everything seemed so daunting and difficult to understand. But Nicole explained everything to me in great detail and every quest…
Paul Wright
1 day ago
Michael put my mind at ease
I have been worried about debt to the point it was affecting my mental health. After speaking with Michael I feel so much relief that there was not only different solutions but they were explained clearly and in such a friendly manner, all my questions were answered and I feel I have made the right choice.
Mrs Coyne
7 days ago
Beyond thankful!
I’m so beyond thankful that I discovered UK DEBT. The greatest communication and customer service. 10 out of 10 for senior advisor Joanne of whom I cannot speak highly enough. Thank you so much.
Matthew Harper
7 days ago
My mentor was Nicole
I was very wary about moving forward with IVA everything seemed so daunting and difficult to understand. But Nicole explained everything to me in great detail and every quest…
Paul Wright
1 day ago
Michael put my mind at ease
I have been worried about debt to the point it was affecting my mental health. After speaking with Michael I feel so much relief that there was not only different solutions but they were explained clearly and in such a friendly manner, all my questions were answered and I feel I have made the right choice.
Mrs Coyne
7 days ago
Beyond thankful!
I’m so beyond thankful that I discovered UK DEBT. The greatest communication and customer service. 10 out of 10 for senior advisor Joanne of whom I cannot speak highly enough. Thank you so much.
Matthew Harper
7 days ago
Our 3 step process
Get started
Answer a few quick questions to check if you qualify to write off debt
Speak to an advisor
Answer a few quick questions to check if you qualify to write off debt
Leave it to us
Chat to a debt expert for your personalised plan
Debt Solution Finder
Find out what your monthly repayments could be with the help of a debt solution.
How does it work?
If you’re struggling with unaffordable 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 .
For example, an Individual Voluntary Arrangement offers the opportunity to write off a percentage of debt included in the arrangement.
Write off most types of unsecured debt:
Credit card
Lines of credit
Loans
Overdrafts
Store cards
Business debt
Credit Card
Lines of credit
Loans
Overdrafts
Overdraft
Business debt
Our 3 step process
Get started
Answer a few quick questions to check if you qualify to write off debt
Speak to an advisor
Answer a few quick questions to check if you qualify to write off debt
Leave it to us
Chat to a debt expert for your personalised plan
Debt Solution Finder
Find out what your monthly repayments could be with the help of a debt solution.
How does it work?
If you’re struggling with unaffordable 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 .
For example, an Individual Voluntary Arrangement offers the opportunity to write off a percentage of debt included in the arrangement.
Write off most types of unsecured debt:
Credit card
Lines of credit
Loans
Overdrafts
Store cards
Business debt
Credit Card
Lines of credit
Loans
Overdrafts
Overdraft
Business debt
Lower your repayments
Use this calculator to see how your monthly repayments could change if some of your unsecured debt is written off. The figures shown are an estimate only, your actual payment may be lower, as repayments are based on what’s affordable for you after a full review of your circumstances.
How much do you pay towards your unsecured debts?
Monthly payments
£500
£200
£1,000
Monthly payments
Before
£500
to debts*
After
£205
with 59% write off **
*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.
Frequently asked questions
Will a debt solution affect my partner?
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.
Should I still pay my creditors?
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.
Will entering a debt solution affect my credit rating?
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.
If I enter a debt solution, can I still have a phone contract or vehicle finance?
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.
Will I need to pay any fees?
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.
Will entering a debt solution affect my job?
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.
What is an unsecured debt over a secured debt?
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.
How much debt could I write off with an IVA or a Trust Deed?
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.