Take the First Step to Solving Your Debt
- Reduce your monthly payments
- Protect your home and assets
- Write off a percentage of debt
- Reduce your monthly payments
- Protect your home and assets
- Write off a percentage of debt
Help also available at MoneyHelper
May not be suitable for all. Fees and disadvantages may apply depending on solution, read here.
Our 3 Step Process
Talking about debt isn’t easy, but we’re here to guide you every step of the way:
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.
Fast Track your advice enquiry
Your referral gives you exclusive access to our Fast Track service. Skip the long calls and find a solution faster with our easy-to-use tool
Why choose UK Debt Expert?
Your friend trusted us, and now it’s your turn. We’ve supported over 250,000 people to take control of their debt.
Andi
Put me at ease
Really helped me through my situation and put me at ease,I was recommended by my coworker and I will be recommending UK Debt Expert again. I feel extremely happy i chose this company.
Steven
Recommended by a friend
Excellent polite and friendly staff who help you by listening to you and finding the best solution for your problem. Recommende by a friend and glad i managed to talk to them.
Julie
Treated with compassion
I’ve been struggling for some time now and didn’t know where to turn. My friend recommended UK Debt Expert. I was treated with compassion and at the end of the call i felt like a weight had been lifted.
Tara
Already recommended to people
Really helpful and understanding of your circumstances. You try your best to help out, have already recommended you to people. Thankful for the support.
Ann
Extremely helpful
Claire was very thorough and extremely helpful. I would recommend her to my family and friends if they ever need help. Claire is a credit and really put my at ease.
** research from UK Debt Expert Group
Get Help With Most Types Of Debt, Including
How Debt Advice Could Help
- Free no obligation consultation
- Support tailored to your situation
- Guidance on all your options
- Sleep easier knowing help is available
- Start working towards clearing your debt
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.