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You can get free, confidential and expert debt advice online or over the phone.
We’ll recommend the best debt solutions for your individual circumstances.
We’ll support you while you deal with your debt problems, for as long as you need.
“When I spoke to the advisor on the phone, I was stressed, but she made me feel a lot better and I didn’t feel judged, which made a huge difference. I’m now paying my debts back in an affordable way via an IVA, and have about four years until I’ll be debt free.”Get debt help now
In May of 2021 the UK Government launched the Breathing Space scheme, a scheme designed to offer people with problem debt the time they need to sort out their finances without facing pressure from creditors. In this guide we’ll explore the Breathing Space scheme more closely, taking you through what it is, how it works, […]Read the article
Financial emergencies happen for all sorts of reasons, and many of us are just one bad month away from financial difficulty, especially if you’re already on low income or receiving benefits. That’s where the Government may be able to help you. In this guide we’ll explore the government crisis loan and other forms of financial […]Read the article
For homeowners who don’t have a lot of cash on hand but hold significant equity in their home, equity release can be a useful way to access a tax free lump sum that offers some financial security, although there are risks involved. In this guide we’ll explore equity release in depth, including what it is, […]Read the article
Help to save is a Government scheme aimed at low-income people and does exactly what it sounds like – helps people on universal credit and other benefits to build up their savings. In this guide we’ll examine the help to save scheme, including what it is, how help to save works, and how you can […]Read the article
A debt solution for people who have at least one County Court or High Court judgement against them which they can’t pay in full.
A legally binding debt solution considered a last resort for those unable to repay their debts in a reasonable time.
A statutory debt management scheme in Scotland which freezes interest, fees and charges over an extended period.
This is a loan from one provider taken out with the intention of paying off all debts and having just one monthly payment remaining.
This is an informal debt solution which offers someone struggling with unsecured debt to reduce their monthly repayments.
A form of insolvency that pauses repayments on qualifying debt, offering relief from payments for up to 12 months.
A way to pay off all debts using one large lump sum, typically following a financial windfall.
An Individual Voluntary Arrangement allows the chance to write off up to 75% of debts you can’t afford.