The types of Debts that can be considered are: Council Tax Arrears, Loans and Payday Loans, Credit cards, Store Cards, Utility Bill arrears, Catalogue Debts, Overdrafts Income tax and national insurance arrears, Tax credit or benefit overpayments, Debts to family and friends, in fact almost any unsecured debt! There are various debt solutions available depending on your individual circumstances, debt level, and number of creditors. Our trusted partner will advise which option is suitable for you. So, when it comes to sharing about your situation don’t hold back, total transparency is the best and quickest policy. The more we know, the quicker we can kick those debt problems into touch.

Look, we know facing up to this is challenging! But, for us to deliver the best solution for you and eliminate as much of your debt as is possible, we MUST have an informal friendly chat on the phone. What we do is life changing! It's important we understand your situation properly and we need to make sure you are given the right information for your personal circumstance. What we can promise is that this is in complete confidence it doesn't take long and is really simple. We literally speak to thousands of people in the same (if not worse) situation as you, so you won't be telling us anything that we haven't heard lots of times before.

We can get to work on stopping any unreasonable creditors or bailiffs as soon as we have spoken to you. Once we have the right information for you, we may be able to start the debt relief process within 24 hours! That said, it all depends on your personal situation. Once we’ve spoken to you and got all your details, our debt advice team will put their heads together to start you on the road to financial recovery. We don’t tend to hang around either. Expect a draft plan in place within a few days.

Everything we do is completely confidential, we do not speak to anyone except you and the people you owe money to. However, some solutions would impact your credit rating until the agreed debts are all cleared, and if you have given consent to your employeryour credit file may be accessed by an employer if you have previously given consent.

Just like our beloved NHS, it's free at the point of delivery! Our fees are collected from your creditors, so you're never asked to fork out anything.

The point of considering any debt instrument is because your current debts have become unmanageable. If you qualify for debt help, your monthly repayments will be reduced to an amount that you can comfortably afford and that are acceptable to those people that you owe money to. Any solution, therefore, must reduce the burden you’re currently experiencing. If you qualify, your monthly payments will be reduced to one affordable amount which you can reasonably afford to pay after your living costs and those of your dependents.