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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
If you’re struggling with debt and have failed to repay a creditor, their are various ways creditors can force you to pay the full amount owed, including including going to the court and having a County Court Judgement taken out against you. The best-case scenario is to have your CCJ discharged. In this guide, we’ll […]Read the article
When you owe money to a creditor and they have a County Court Judgment (CCJ) against you, they can also apply for something called a charging order – a different kind of court order that secures the debt your have with that creditor against your home. In this guide, we explore charging orders – what […]Read the article
It can be hard to keep track of all your incomings and outgoings at times, which can cause you to miss payments. When you continually miss payments to creditors, however, you may face a default notice, which can harm your creditor rating and even cause debt collectors to come to your door. In this guide […]Read the article
Depending on your circumstances, you may find yourself with debt you can’t – or won’t – repay. There are various legal avenues that your creditors can explore in order to force you to repay what you owe. One of the most common is a County Court Judgement (CCJ). In this article we’ll examine CCJs – […]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.