Understanding & Support
We understand that formal debt help can be a difficult step to take. Our role is simply to connect you with regulated partners.
You don’t have to face debt alone. Explore your options and find the support you need.
We know that money worries can feel heavy, and talking about debt isn’t always easy. You’re not alone, and taking that first step can be a positive move towards understanding your options. Click “DEBT HELP” to get started and a member of our team will take the time to understand your situation and collect some initial information. Where appropriate, we may then connect you with an FCA-authorised debt advice partner who can provide regulated advice and support based on your individual circumstances.
Rated by real people
Referred only to
FCA-authorised firms
- No obligation to proceed
- FCA-authorised partners only
- Excellent Reviews
FCA
Regulated partners only
Enquiries are passed only to firms authorised and regulated by the Financial Conduct Authority.
Why people choose us
No judgement. No pressure.
Just help understanding your debt options and what you can do next.
FCA-Regulated Partners
We only refer enquiries to firms that are authorised and regulated by the Financial Conduct Authority.
No Judgement
Millions of people in the UK are dealing with problem debt. It's a common situation, and it can be handled with dignity.
How it works
A simple three-step journey
towards understanding your options.
- 1
Submit an Enquiry
Complete our short form with your basic details.
- 2
Get Connected
Where appropriate, we may connect you with an FCA-authorised debt advice partner.
- 3
Speak to an Adviser
An authorised partner will discuss your circumstances and available options.
UK debt solutions
Options a regulated
adviser may discuss.
View all solutionsIndividual Voluntary Arrangement (IVA)
A formal, legally binding agreement to repay an affordable amount of your creditors over a fixed term — typically five or six years — after which any remaining qualifying debt can be written off.
Discuss this optionDebt Management Plan (DMP)
An informal arrangement, set up through a licensed provider, where your debts are paid at a reduced monthly rate that is distributed between your creditors based on what you can afford.
Discuss this optionDebt Relief Order (DRO)
A statutory option aimed at people with low income, few assets and a relatively small level of debt. Where it's appropriate, qualifying debts can be written off after a set period.
Discuss this optionBankruptcy
A formal insolvency procedure that can write off most unsecured debts, but which has significant long-term consequences and should only be considered with regulated advice.
Discuss this optionTrust Deed (Scotland)
A Scottish alternative to an IVA, where a formal arrangement between you and your creditors is put in place for a defined period — usually a minimum of four years — before being discharged.
Discuss this optionDebt Arrangement Scheme (DAS)
The Scottish government's statutory debt-payment programme, allowing you to repay what you owe over an extended period with interest and charges normally frozen.
Discuss this optionEvery solution has different eligibility criteria, costs and consequences. Only an FCA-authorised and regulated adviser can confirm which option, if any, may be suitable for your circumstances.
Kind words
Real people, real relief.
A selection of feedback from people who have used our enquiry service.
I was anxious about even typing it out. The person they connected me with was kind, professional and explained every option clearly. Huge weight off my shoulders.
No fuss, no pressure and completely confidential. Within a day I was speaking to a regulated adviser who walked me through what was actually suitable for me.
Polite, careful and nobody spoke to me like a number. They pass you over to someone who's FCA-regulated and it's all very calm and quiet.
Frequently asked
Frequently Asked Questions
That’s okay. With your permission, an authorised firm may carry out a soft credit search to help understand your circumstances. This won’t affect your credit score or be visible to other lenders. As not all debts appear on credit reports, you may still need to provide additional details.
No. Making an enquiry through our website is completely free.
We don’t provide regulated debt advice ourselves. With your consent, we may introduce you to an authorised and regulated firm who can discuss your circumstances and available options.
If you choose to proceed with a solution, we may receive a referral fee. There’s no obligation to proceed, and you can access free, impartial guidance from MoneyHelper at any time.
A regulated adviser may discuss options such as an IVA, Debt Management Plan, Debt Relief Order, Bankruptcy, Trust Deed (Scotland), or Sequestration (Scotland), depending on your circumstances and where you live.
A regulated adviser will assess your situation and explain which options may be suitable, including any eligibility requirements, risks, and costs, before you decide whether to proceed.
Yes. Our partners can talk to people across England, Wales, Scotland and Northern Ireland — including Scotland-specific options like Trust Deeds and Sequestration where relevant.
A member of our team or an authorised partner may contact you as soon as possible after you submit your enquiry. Response times can vary, but we aim to make the process straightforward and keep you informed.
When you're ready, we're here.
Send a short, confidential enquiry and we’ll connect you with a regulated partner who can explain your options, with no pressure or obligation.
Free advice is available from MoneyHelper
You can get free, independent and impartial debt advice from MoneyHelper, StepChange or Citizens Advice. You do not have to use a commercial provider, and you should always compare your options before making a decision about your money.
We are a lead provider and pass enquiries to companies authorised and regulated by the Financial Conduct Authority. We do not provide debt advice ourselves.
A debt solution may not be suitable in every situation, and fees may apply. Free, impartial guidance is also available from MoneyHelper.