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Write off up to 81% of unsecured debt
- Consolidate unsecured debts
- Freeze interest & charges
- Reduce monthly payments
We’ve helped over 270,000 people with their debt
- Stop interst and charges soaring
- Consolidate unsecured debts
- Reduce monthly payments
Authorised and regulated by the Financial Conduct Authority. Advice is free but fees and disadvantages may apply if you enter a debt help solution. May not be suitable for all. Solutions apply to unsecured debt only. Write off based on individual circumstances.. Read here.
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We're Rated 5-Stars, Here's Why
The UK Debt Expert Group has helped over 270,000 people in the UK deal with their debt
Our 3 Step Process
Review
We’ll find out more about your current situation and finances.
Rundown
Recommendation
We’ll advise on the best solution for your needs.
Get help with most types of unsecured debt including:
Why Trust UK Debt Expert?
- Practical debt advice to help you find the best solution
- Check your eligibility for all debt solutions
- We've helped more than 270,000 people with their debt
- We're rated 5 stars by our customers on Trustpilot
Helping people all across the UK
Beth
“Overall, the emotional and mental peace that comes with choosing a suitable IVA is invaluable. It’s like a heavy burden has been lifted.”
Total unsecured debt
£97,469
Previous monthly payment
£1,500
New monthly payment
£110
IVA
Alan
“Having been subject to a scam, I contacted UK Debt Expert . The problem was resolved with a Trust Deed and their advice eased my worries in a professional manner.”
Total unsecured debt
£22,140
New monthly payment
£153
Estimated debt write off
43%
Protected Trust Deed
Stephanie
“I was struggling with debt and one phone call has made me feel less stressed. This company has saved me and now my debts are affordable.”
Total unsecured debt
£4,436
Biggest Concern
Council tax
New monthly payment
£90
Debt Arrangement Scheme
Example cases from the UK Debt Expert group of companies in 2024. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.
Check your eligibility for debt solutions:
Individual Voluntary Arrangement (IVA)
An Individual Voluntary Arrangement (IVA) is a legally binding agreement that could help you write off a percentage of your debt. Typically lasting between five and six years, this solution may be an option if you owe more than £7,000 in debt.
Debt Management Plan (DMP)
A DMP is an informal solution that reduces your monthly payments towards your debts. Your monthly payments will be based on what you can reasonably afford. You may consider this solution if you’d like to repay your debt in full.
Debt Relief Order (DRO)
A DRO is a solution that could help people with a low-income manage their debt. In 12-months you’ll clear the debt you’re unable to pay. You might choose a DRO if you owe less than £30,000 and don’t have any savings or valuable items.
Bankruptcy
Bankruptcy is a legally binding solution that allows people to clear all of the debt they owe. It should always be a last resort. All debts will be included in a bankruptcy, including mortgages, which means you’ll need to surrender your home to the agreement.
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.
“Outstanding compassion and wealth of knowledge. UK Debt Expert have made a huge difference to our lives.”
Steve