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Life without debt would be great

Debts over £1,000? Solve your debts in 3 simple steps.



1. Complete our quick enquiry form

2. Speak to a Debt Expert about your options

3. Select your custom debt plan

1. Complete our Online Application

2. Speak to a Debt Advisor about your options

3. Get a Debt Proposal on the solutions available

Our fees explained clearly

To ensure you have all the information to make the right decision we have put together guides on the fee structures for the services we offer.
Learn about our fees

Impartial advice

You can get FREE impartial advice on your finances from the Government's Money Advisory Service.

More information

Please remember

If you choose to restructure your debt over a longer term it could affect your credit rating and cost you more.

Solutions for a variety of debt levels

Debt Help

For debts of £1,500 and over

Debt Help allows you to pay one affordable monthly payment for all of your unsecured bank loans, credit card repayments and your other debts.

Firstly the hassle of dealing with your paperwork and and day-to-day dealings with your creditors is taken away. Secondly, our selected debt partners will look to negotiate the freezing of charges and interest on your accounts to help stop your debts increasing.

Learn more

Bankruptcy

For those with little or no disposable income

If you are facing bankruptcy then it is important to speak to a professional debt advisor before proceeding with bankruptcy.

Debt Advice Online was set up to deal specifically with cases of serious debt that require immediate expert help. Advice is given both on avoiding declaring Bankruptcy and also how to go through the whole bankruptcy process.

Learn more

IVA's

Individual Voluntary Arrangements
for debts over £7,000

An IVA can help you write off the debts you cannot afford. Debts that qualify for an IVA can be cleared in a set time period (usually 5 to 6 years).

An IVA is a legal process by which you can gain protection from your unsecured creditors by entering into a legally binding repayment agreement with them, which is then supervised by a licensed insolvency practitioner.

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Limitations

No obligation

Creditors are not obliged to agree to a Debt Management Plan nor freeze interest and charges.

The right schedule

Sometimes rescheduling your Debt payments can lead to an increase in the total sum repaid and can extend your repayment period. Debt advisors should advise you an estimate for the total repayment period and length of time for the plan subject to your creditors accepting the arrangements.

Keeping up your repayments

Failure to keep up your repayments once on a repayment plan is set may result in arrangements with your creditors to be broken.

Your Credit Rating

Your credit rating is likely to be affected by all the debt solutions we offer.


Essential Reading

Insolvency Service In Debt Guide Dealing with your Creditors Insolvency Service Guide To Bankruptcy
Debt Advice Online