Next, you'll speak to an expert to check your eligibility for UK debt solutions.
Our office is closed but you can prepare for your advice session now.
Based on what you've shared, you're now matched with one of our experienced debt advisors.
Use our Fast Track service to give your advisor a better understanding of your situation before you speak or book a call at a time that suits you.
We'll guide you through these steps on the call.
Whether you use Fast Track or not, we'll be in touch from 9am to check what debt solutions you could be eligible for.
Your disposable income is a key factor in determining:
We'll work out your ideal budget by reviewing your:
FAST TRACK
Add your budget ahead of time 
Cut right to the advice stage 
Know what details you need Once we understand your circumstances, your advisor will explain the debt solutions that may be available to you.
We'll explain how each option works, including costs, key differences, timescales and important things to consider.
You'll have time to ask questions and understand your options before deciding whether to move forward. If a solution is suitable, your advisor will either begin the set-up process or pass you to a trusted partner to continue the process.
"Claire from UK Debt Expert is absolutely fantastic – she saved me and I can't thank her enough. She was understanding and made me feel at ease and sorted out the horrible situation I am in. 100% great at her job and like I say I can't thank her enough"
We'll help you understand the different fees and disadvantages of each debt solution so you can decide what's right for you.
These options may affect your credit rating and can involve fees. They're not suitable for everyone, and disadvantages apply. It's best to speak to a debt adviser to explore your options.
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.
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.
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.
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.
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.
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.
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.
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.
