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

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 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.



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, 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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