Debt Solutions
There are various debt solutions available across the UK. Some allow you to write off all of your debt, a large portion of it, or even repay it all at an affordable date. Find out more here.
England, Wales & N.Ireland
Individual Voluntary Arrangement (IVA)
Debt Management Plan (DMP)
Debt Relief Order (DRO)
Bankruptcy
Administration Order
Debt Settlement Offer
Debt Consolidation Loans
England, Wales & N.Ireland
Individual Voluntary Arrangement (IVA)
An IVA is formal solution to consolidate significant unsecured debts into affordable monthly payments, set over a specific period.
Debt Management Plan (DMP)
A DMP negotiates lower monthly payments for unsecured debts, suited for those able to repay their debt fully.
Debt Relief Order (DRO)
A DRO is a formal insolvency process available in the UK for people with limited income, minimal assets, and debts below a specific threshold.
Bankruptcy
Bankruptcy is a legal process in which a person declares themselves unable to meet their financial commitments, and applies to have their debts written off.
Administration Order
An Administration Order is a UK debt solution for people with unmanageable debts. It consolidates debts into a single, affordable monthly payment.
Debt Consolidation Loan
Debt Consolidation Loans merge multiple debts into one, simplifying payments and potentially offering lower interest rates.
Debt Settlement Offers
A Debt Settlement Offer involves proposing a lump sum payment to creditors, aiming to settle outstanding debts at a reduced amount.
Debt Settlement Offers
The money owed to credit card issuers for purchases or cash advances made using credit cards, which can build up and become a problem over time.
Scotland
Protected Trust Deed – Scotland
Debt Arrangement Scheme (DAS)
Sequestration (Scotland)
Scotland
Trust Deed
A Trust Deed allows people to write off a percentage of their unsecured debt and repay with an affordable monthly payment.
Debt Arrangement Scheme (DAS)
The DAS is a Scottish initiative allowing structured debt repayment plans, enabling repayments without legal threats from creditors.
Sequestration
Sequestration, Scotland’s form of bankruptcy, helps those unable to repay their debts by legally addressing and managing what they owe to creditors.
Minimal Assets Process (MAP)
The MAP allows people on with no disposable income to write off their unsecured debts in a short period of time.
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Was struggling to keep up
I was struggling to keep up with payments to my credit card and loan providers, it was literally leaving me with pennies after paying the monthly payments. After talking to this company it made my life so much easier and even left me with a lot of extra money each month.
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The team is understanding, knowledgeable and willing to help
The team is understanding, knowledgeable and willing to help. I was in a total state of confusion not knowing where to turn. With the challenges I was facing at the time compared to now, I really can not thank you enough for your help.
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From stress to relief
Before the call I was so stressed, literally had nowhere to turn & wasn’t sure if my situation could be resolved as I felt I was just stuck in a rut with financial issues. Claire was fantastic, assured me she would do what she could to help, throughout the whole call she kept reassuring me & made me feel so much at ease. By the end of the call I felt so much relief & my financial stress was over.
Naheem Ali
Effortless personal experience
I spoke to Allison who was very helpful over the phone, she went through all of my options available to me without any judgement at all which was nice. Very personable phone manner and made the whole experience effortless. Very helpful.
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The team are really supportive
The team are really supportive and helped me every step of the way, although I hardly had to do anything anyway. They have kept in touch to check on me regularly and make sure I am happy with everything and offered their support throughout. Couldn’t recommend them enough for those who are in stressful financial situations and need help.
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I spoke to Zahid
I spoke to Zahid and he explained everything to me , what options were available and helped me decide what would be best for me, the whole process was simple and straightforward and at an affordable monthly payment
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Reviews from UK Debt Expert’s Trustpilot in 2024.
