Debt Solutions

If you’re struggling with debt, it’s important to know that support is available. We provide free confidential debt advice to help you understand the debt solutions that may be available based on your individual circumstances.

Whether you’re dealing with credit card debt, loans, overdrafts, council tax arrears, or other unsecured debts, our experienced advisers can help you explore practical ways to regain control of your finances.

Understanding Your Debt Options

There are several debt solutions available in the UK, and the right option will depend on your financial situation, income, assets, and ability to make repayments. Our team can explain each option clearly so you can make informed decisions without pressure or judgement.

Debt Solution Finder

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How many debts do you have?

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Debt advice
on all solutions

  • Individual Voluntary Arrangement (IVA)

    An IVA is a formal agreement between you and your creditors that allows you to make affordable monthly payments towards your unsecured debts over a fixed period of time. In some circumstances, remaining debt may be written off at the end of the arrangement.

    IVAs are not suitable for everyone and may affect your credit rating.

  • Debt Management Plan (DMP)

    A Debt Management Plan is an informal arrangement that allows you to make reduced monthly payments towards your unsecured debts. This may help make your repayments more manageable while giving you additional financial breathing space.

  • Debt Relief Order (DRO)

    A Debt Relief Order may be suitable for people with low income, limited assets, and lower levels of unsecured debt. If approved, creditors may be unable to take further action against you during the DRO period. Eligibility criteria applies.

  • Bankruptcy Advice

    Bankruptcy is a formal debt solution that may help people who are unable to repay their debts. While bankruptcy can provide relief from unsecured debt, it can also have serious financial implications and may not be suitable for everyone.

  • Debt Consolidation

    Debt consolidation may involve combining multiple debts into a single monthly payment. This can help simplify repayments, although it may not reduce the total amount repayable.

Common Debt Problems We Help With

Credit Card Debt

Payday Loan Debt

Store Card Debt

Overdraft Debt

Personal Loans

Catalogue Debt

Utility Bill Debt

Council Tax Arrears

Why Seek Debt Advice Early?

Ignoring debt problems can increase financial pressure over time. Seeking free debt advice early may help you understand your options sooner and avoid further stress, missed payments, creditor action, or additional charges.

Free Confidential Debt Support

Our experienced advisers provide confidential debt support tailored to your circumstances. We’ll explain your options clearly and help you understand the next steps available to you.

Debt Support

Why Choose Us?

Frequently Asked
Questions

Solutions may include Debt Management Plans, IVAs, Debt Relief Orders, or other forms of debt support depending on your circumstances.

Getting debt advice will not affect your credit score. Some debt solutions may impact your credit file.

Some debt solutions may allow part of your unsecured debt to be written off depending on eligibility and circumstances.

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.

You can complete an online assessment and speak with a debt adviser as soon as possible.

Money Helper is an independent service set up to help people manage their money

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