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

We’ve helped over 250,000 people find a way to deal with their debt

Our 3 Step Process


We’ll find out more about your current situation and finances.

Run through

We’ll discuss all the solutions you could be eligible for.


We’ll advise on the best solution for your needs.

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:


After an IVA

Debt Written Off


IVA Payments

per month

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

Is a debt solution suitable for me?

If you’re struggling with unsecured debt, such as credit cards, loans or utility bills, you may consider a debt solution to manage what you owe. It’s important to be aware that there are many solutions available, each with its own eligibility criteria.

Before making a decision on entering any solution, it’s important to seek professional debt advice to find out more about each and ensure you choose the most suitable and sustainable solution for your situation.

The fact-finding and advice call is free. That call will explore all possible debt solutions applicable to you.

If you live in England, Wales and Northern Ireland, an IVA may be a suitable debt solution. An IVA will be provided by Creditfix and fees will apply.

If you live in Scotland, a Trust Deed or the Debt Arrangement Scheme may be a suitable debt solution. Trust Deeds and DAS will be provided by Carrington Dean Group Limited and fees will apply.

When considering a debt solution it’s important to be aware it will likely adversely affect your credit rating as it will show on your credit report for six years after it has been approved.

However, it’s important to note your credit score will likely already have been affected by being in debt in the first place.

In most cases entering a debt solution won’t affect employment. However, in certain professions, such as accountants and solicitors, having a formal arrangement in place may mean that you can no longer practice or you may only be able to practice under certain conditions. An advisor will be able to discuss this in more detail.

Entering into a debt solution can be a positive way to manage your debt and finances.

Many debt solutions offer the opportunity to combine several debt repayments into one monthly payment, based on your affordability.

An advisor will discuss all considerations with you before you make the decision to enter a solution.

We offer debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you.

All of our advice is free; however, fees will apply should you decide to enter into an arrangement.

These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.

Getting debt advice can be a positive way to manage what you owe. However, it’s important to be aware that while advice is free, fees may apply if you decide to enter into a debt solution. Debt solutions are subject to eligibility criteria and can negatively affect your credit rating.

The advantages and disadvantages for each solution can be found here.

An advisor will discuss all considerations with you in full to help you make an informed decision on how you choose to proceed. 

Important information

Advisors will discuss all possible debt solutions available depending on where you live in the UK. Advice is tailored to individual circumstances and can only be offered following an initial fact-finding process. Third party fees may apply. Free and impartial information also available at moneyhelper.org.uk. If you choose to enter a solution that offers the opportunity to write off a percentage of unsecured debts included, the percentage may vary. A debt write off amount of between 25% and 70% is realistic.


UK Debt Expert is a debt advice company based in the UK.

Company Information

UK Debt Expert Limited is authorised and registered by the Financial Conduct Authority (FCA), registration number 688071. Registered in Scotland with company number SC38288 at 5th Floor, Regent House, 76 Renfield St, Glasgow, G2 1NQ. Information Commissioner’s Office number ZB590053 

Advice providers

If you live in Scotland:
Carrington Dean Group Limited
Company number: SC225672
Registered address: Regent House, 5th Floor, 76 Renfield Street, Glasgow, G2 1NQ
FCA number: 674395
ICO number: ZA351745

If you live in England, Wales or Northern Ireland:
UK Debt Expert Limited
Company number: SC382881
Registered address: Regent House, 5th Floor, 76 Renfield Street, Glasgow, G2 1NQ
FCA number: 688071
ICO number: ZB590053