Looking to file for bankruptcy?
Other debt solutions available - Our experts could help you write off all or a large portion of your debt
May not be suitable for all. Fees and disadvantages may apply depending on solution, read here.
Advice and support is also available at Money Helper.
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
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.
Robin Lacy
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.
Mr Camara
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.
Liam
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.
Abbie
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
Ruth Igiebor
Reviews from UK Debt Expert’s Trustpilot in 2024.
Our 3 Step Process
Review
We’ll find out more about your current situation and finances.
Run through
We’ll discuss all the solutions you could be eligible for.
Recommendation
We’ll advise on the best solution for your needs.
Get help with most types of unsecured debt including:
How debt advice can help
- Support tailored to your situation
- Guidance on all solutions you’re eligible for
- Sleep easier knowing help is available
- Improve your financial future
- Start working towards financial goals
Here's an example of how we can help
We offer advice on all debt solutions available to you, including Individual Voluntary Arrangements (IVAs). Here’s an example of how a debt solution could help.
Before an IVA
Total amount owed:
£19,256.57
After an IVA
Debt Written Off
65%
IVA Payments
Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.
May not be suitable in all circumstances. Fees and disadvantages may apply, read here.
“They offer impartial, non-judgemental advice and a life-changing solution. It’s a hard, long slog, living on a strict budget without any credit for 5 or 6 years. But, at the end, you are debt-free and feel you can breathe again.”
Jean Richards
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.