Worried about money? We can help you clear up to 85% of your debt

✆ Call Us On: 0800 014 2415
  • Government established help
  • Freeze interest and charges
  • Free service, no upfront fees

We are experts in debt management plans and can review and assess all the various and most appropriate debt management plans and solutions for you. 

Everybody has a set of different circumstances. Have you been affected by COVID19? Had a reduction in hours? Been on Furlough? Been made redundant or been off work sick and claiming Universal Credits?

If you are struggling to repay your debts and have more money going out than coming in contact us today to discuss your best debt management plan options without obligation and in the strictest of confidence. We are here to help you! We understand that discussing debts can be embarrassing and difficult, but we are here to help you and are on your side.

Apply today for free confidential debt management plan advice. All our advisors are professional, friendly and are on hand to help you.

Lower Monthly Payments & Write Off Up To 85% Of Your Debt. Check If You Qualify!


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Warwick Lewis

"Absolutely outstanding. A service that is rare to find in this day and age."

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How do we write off your debt?

A solution with us can freeze your debts and allows you to pay them back over a set period. Any money you still owe after this period is then written off, depending on your ability to repay. We can provide you a debt solution to pay something towards your debts but not necessarily the full amount that your creditors want.

Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service visit: www.moneyadviceservice.org.uk

Benefits of our debt solutions

Lower monthly repayments.

Frozen interest and charges.

No more calls from creditors.

A fixed agreement typically 5 years.

Protection from unsecured creditors.

An IVA may be an available to you.

How your existing debt is managed

Below is a typical example of how your debt solution may work, showing the maximum debt reduction.

Write off most types of debt including:

Credit Cards
Loans
Store Cards
Overdue Bills

Here are just a small selection of creditors that can be written off with a debt solution

Debt Management Plans For UK People.

Rising prices and limited incomes have caused many UK consumers to fall into debt, even when they make every effort to prevent this from happening.

The strategies that allow people to resolve their financial issues are categorised as debt management. UK consumers who are falling behind with paying their bills should make debt management a priority.

The best time to get debt under control is before it becomes unmanageable. Experts recommend that consumers implement a debt management plan as soon as they begin falling behind on their bills.

Our company provides debt management services and quotes for UK consumers with any level of debt.

Our Company - How We Can Help You

While many services offer informal debt management programs, very few offer formal plans. We are proud to be an organisation that provides numerous formal debt management plans for UK consumers with large amounts of debt.

This enables us to help not only consumers who are sliding down the slippery financial slope into debt but also those who are watching debt pile up around them and becoming more desperate by the minute.

There are many different programs there are in the UK alone


For someone with little to no previous experience with this topic, merely reviewing the options can be overwhelming. Were you required to make a decision on your own, you would probably be ready to give up and just let debt overtake you. We are here to make sure that does not happen, as our goal is to help you get on solid financial ground as quickly as possible.

Whether the debt is small enough to be addressed through creditor repayment negotiations or requires a more aggressive tactic, our company can handle it. While a large amount of debt may be overwhelming to those facing it, our experts are used to handling these figures and coming up with the most effective solutions. Over our years of experience, we have seen it all and this exposure benefits you, our potential customer. In some cases, a combination of approaches may be required. A less experienced company is often not skilled in developing such a multi-faceted debt management plan. This results in consumers overpaying for their debts and taking longer to free themselves financially. The goal of our company is to help you eliminate debt in the most efficient manner and prevent it from reoccurring.

No one hopes that an IVA or bankruptcy is in the future but if one of these is the only option, our company can provide assistance. These formal solutions are more complex than other methods of consolidating debt. A licensed Insolvency Practitioner (IP) is the only individual who can establish an IVA and only this person or an Official Receiver can serve as a trustee in bankruptcy. We match you with these qualified individuals, saving you the work.

Whether you know which debt management solutions are right for you or are exploring your options, contacting our company should be your first step. We will help you from start to finish, streamlining the processes of consolidating and eliminating debt. Being under financial strain is difficult and we want to reduce the stress involved while getting our customers back on their feet financially.

The most experienced DM company is staffed with professionals who provide accurate information and guide those in debt to the most effective solutions. This describes our company perfectly and our customer service team is available when you need us. Explore our website to learn more about managing your debt and then contact us to learn how we can help.

Types of Debt Management Plans

In the UK, Debt Negotiation, Debt Consolidation, Individual Voluntary Arrangements (IVAs), and Bankruptcy are the main types of debt management programs.

In a debt negotiation arrangement, the debtor makes arrangements with creditors directly. A debt management company is often not used, allowing the individual to avoid paying any fees. Though this process requires diligence on the part of the debtor, the individual may only have to repay 30 to 70 percent of the debt. A third party can be used and may be able to negotiate an even smaller repayment, but this is partially offset by the fee charged.

Debt consolidation involves assistance from a debt management company

The company helps the individual develop a debt management plan to repay outstanding balances. An experienced professional negotiates lower interest rates from creditors, reducing the total payment due. With a debt consolidation arrangement, a single monthly debt payment is made to the company providing assistance. This company then allocates the proper amount of money to each creditor.

This arrangement is similar to an Individual Voluntary Arrangement, or IVA. It is often the choice of individuals who do not want to directly interact with creditors. UK consumers who are interested in debt consolidation should use a debt solution calculator to find out if they are eligible. They should then contact one of the recommended companies to learn more about the process it uses, as there are subtle differences from one organisation to the next.

A debt consolidation loan is similar to debt consolidation because it combines all debt and reduces the number of monthly payments that must be made. The difference with this debt management plan is that it involves taking a loan to repay the total amount outstanding. This loan carries an interest rate that increases the total repayment amount. When home equity is used as collateral for a debt consolidation loan, the interest rate is reduced. This is an easy way to lower the repayment, but not everyone is comfortable with releasing equity in the home.

An IVA is a governmental program

It involves a legally binding agreement for the repayment of a reduced amount of debt and the write-off of remaining qualified debts. The rigid structure of this repayment program is often a deterrent, which makes it important to seek assistance from a debt management company. Bankruptcy is a last-resort solution to debt issues and a professional can advise when it is recommended.

Though not a program for handling debt,debt management counselling plays a role in each of the approaches above. An experienced professional reviews the financial situation of the individual, the amount and types of outstanding debt, and repayment ability. Recommendations are based on these factors and may include any or a combination of the three solutions mentioned above.

UK residents who see their bills piling up should learn more about the types of debt management plans and decide which one is right for them. The sooner they take action to reduce their debt, the better. Many are able to become debt-free within just one year by following the advice of someone skilled in managing debt.

Debt Management Services - How Do They Work?

Some UK consumers avoid dealing with debt management services because they are not familiar with how these companies work. There is no big secret to the operations of the best organizations because complete details are provided on the company website. If it appears that the company is too good to be true or is hiding something, it probably is.

Debt management services are middle parties that assist with the development of a DMP

After assessing the debt situation of the consumer, they recommend one or more solutions. Negotiating debt to a percentage of the original balance is one resolution they may propose. Though debtors can do this themselves, it is often time-consuming and someone more experienced can usually negotiate a better deal. Once the arrangements are in place, consumers make their repayments in the same manner as before, paying the revised monthly amounts.

A debt management company may alternatively propose a debt consolidation plan

This solution is suitable for individuals who have the money to repay outstanding balances but could benefit from a longer repayment period. By negotiating a reduction in interest rates on outstanding debt, the company reduces the overall repayment required. Consumers have the option of taking longer to repay their outstanding balances, though this will accrue additional interest, albeit at a lower rate than initially charged.

With this arrangement, debts are also combined into one. The debtor makes one monthly payment, issuing it to the debt management company, which divides the payment appropriately among creditors and forwards the money to each one. This makes things much easier on the individual owing the money because there is only one payment date, amount, and payee to remember. The chance that a payment will be skipped decreases, allowing the debtor to eliminate late charges and additional interest accrual.

Services include debt consolidation loans in the recommended solutions for some debtors

Like a consolidation program, this aggregates the debt, creating only one payment. A loan is then taken to repay the total debt amount. The consumer is then responsible for repaying this loan principal plus interest. This solution removes the debt from the credit record but adds a loan. Therefore, it is important that the debtor make the minimum required loan payment on time each month.

A reputable debt solutions provider does not merely provide these solutions and then walk away. It discusses the pros and cons of each one with the consumer. It also provides additional debt management counselling that includes developing a budget and offering tips to avoid getting into debt in the future. Company representatives know that providing excellent service is the best way to become a go-to solution for others in debt.

Whether they want an informal debt management plan, a debt consolidation program, or a consolidation loan, consumers should review the debt management services that operate in the UK. By finding one with an excellent record of accomplishment that matches them with the most cost-effective solutions, UK consumers get themselves on the correct financial path. Any company that is less than forthcoming with its process should be avoided.

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