Good news, we can help.
You’ll receive an SMS and email with your link to securely upload your bank statements shortly.
- Clear problem debt
- Freeze interest & charges
- Reduce monthly payments
Our 3 Step Process
Now that we have your details, here’s what happens next.
Document review
Once you upload your bank statements via Fast Track, one of our experts will review them within 30 minutes.
Personalised debt advice
Using the information you provided, an expert will be in touch to offer you debt advice based on your finances.
Decision in principle
Within an hour, you’ll get a decision in principle on the best option for you, as well as next steps for your situation.
Interested In A Debt Solution? You Can Trust Us
UK Debt Expert helped me understand my options clearly. I was stressed and confused, but they guided me step by step. I feel more in control of my finances now.”
Sarah T
“The fast track option was a lifesaver. Uploading my documents was easy, and I got the advice I needed quickly. Highly recommend!”
James M.
“Took the time to understand my issues with mental health which a lot of people don’t have time for.”
Jamie B.
“I recently reached out seeking help with my overwhelming debt situation. From the moment I contacted them, they provided nothing but exceptional service and support.”
How You Benefit from Free Debt Advice
Talking about your debt can seem scary, but that first call can help you in so many ways.
Non-judgemental advice
You may feel like you’re dealing with debt alone, but we help people like you every day. Your advisor won’t judge, they’re there to help.
Free professional support
We’re equipped to advise on all UK debt solutions, which means you’ll get the support you need from a trained debt expert.
A personalised debt plan
You’ll get a plan tailored to your situation. It could see you write off all of your debt, part of it, repay it affordably, or offer help with budgeting.
Mark’s Story
Reason for debt: Mark was overwhelmed by household debts, including rent arrears and electricity bills.
Main concerns:
Faced with the prospect of losing his home, living on his own, Mark didn’t feel like he had anyone to turn to. Eventually the pressure became too much and he decided to seek help.
Solutions qualified for:
Individual Voluntary Arrangement (IVA), Debt Management Plan (DMP)
Solution chosen:
Individual Voluntary Arrangement (IVA)
Reason why:
Mark reached out to UK Debt Expert for free, confidential advice. The advisor created an affordable, sustainable budget and discussed all options. Mark chose an IVA to make monthly payments based on his affordability, allowing him to better manage his money each month.
“If you’re struggling, don’t give in. You’re not the only person on the planet feeling like this and there are people out there to help, but you need to go to them , they won’t go to you.”
*Anonymised
How A Debt Solution Could Work
Brief summary
- Consolidate debts into manageable payments.
- Freeze interest and charges.
- Deal with unaffordable debts in 5-6 years.
Key benefits
- Avoid bankruptcy related to debts
- Stop hassle from creditors over repayment
- Get the security of a legally binding agreement.
How it could help you
- Simplify the debt repayment process
- Avoid court proceedings for unpaid debts
- A long-term solution to unaffordable debts
Get Advice on All UK Debt Solutions
UK Debt Expert advises on a wide range of options, including those below.
The key to debt advice is providing tailored guidance and support to people struggling with debt. Advisors can help you understand your financial situation, explore debt solutions, and create a plan to manage your finances. This advice might include budgeting tips, debt repayment strategies, and information on more debt solutions.
An Individual Voluntary Arrangement (IVA) is a formal agreement between an individual and creditors to repay debts over a set period, typically five or six years. You make affordable payments during this period, and at the end of the arrangement, any remaining debts are written off.
A Debt Management Plan (DMP) is an informal debt solution for people struggling to repay unsecured debts. It combines multiple debts into a single, manageable monthly payment, which provides a structured path to debt repayment. It can also reduce interest and charges on included debts.
A Trust Deed is a legally-binding debt solution for people who can’t repay unsecured debts. It involves making monthly payments for a period of four years, with the goal of repaying a portion of the debt while being protected from legal action. Remaining debts are written off at the end of the arrangement.
The Debt Arrangement Scheme (DAS) is a Scottish government-backed initiative that offers a structured repayment plan for people facing unmanageable debt. You repay your creditors at a rate you can afford, via a Debt Payment Plan (DPP), and you’ll be protected from legal action while you do so.
The Minimal Asset Process (MAP) is a simplified bankruptcy procedure available in Scotland for people with low income, minimal assets, and unmanageable debt. If you qualify, you can have your debts written off after a relatively short period, typically six months, without the need for ongoing payments.
*Our experts will only recommend a solution if it’s right for you. The best way to find out by getting a free debt advice consultation.
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.