Don't let debt hold you back

Use our solution finder to discover the best route back to financial peace of mind.

Three Steps Towards Financial Freedom - Start Your Journey Today

Reaching out for help can be the hardest step, but you're not on your own. Our caring team is here to listen without judgement. One simple conversation is the first move towards taking back control of your financial future.

Every situation is different, and we take the time to understand yours with care and empathy. Our experienced advisers will guide you through all the options available and help you find a practical solution that lightens the load.

With a clear plan in place you can move forward with confidence, knowing the support you need is behind you. We'll stay by your side at every stage, offering guidance and reassurance while you work towards financial freedom.

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Which debts are worrying you the most?

We deal with a wide range of unsecured debts and speak daily with the major lenders and banks to negotiate reductions.

Bailiff Debts

If enforcement agents are involved, don't panic — the right solution can often bring visits and letters to a stop.

Council Tax

Arrears on council tax are treated as a priority. We'll explain what the council can and can't do, and how to respond.

Credit Cards

Only ever managing the minimum payment? Card balances can usually be folded into one affordable arrangement.

CCJs

A County Court Judgment isn't the end of the road — it can often be included in a wider debt solution.

Loans

Personal loans, payday lending and guarantor agreements can all be looked at together.

Overdrafts

Living in your overdraft month after month? It counts as a debt and can be dealt with like any other.

HMRC Debts

Behind on self-assessment, or been overpaid tax credits? Money owed to HMRC can often be included too.

Utility Bills

Arrears on gas, electricity or water can be brought into an arrangement alongside everything else.

Struggling with Loans?

See how we can help you bring your debts down.

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Types of Debt Solutions

Find out more below about which solutions might be available to you

IVA

An Individual Voluntary Arrangement: a legally binding agreement to pay what you can afford, typically for five to six years, after which the rest of the included debt is written off.

DMP

A Debt Management Plan: an informal arrangement that rolls your unsecured debts into one monthly payment you can actually manage.

Bankruptcy

A formal route that can clear unmanageable debt entirely and allow a genuine fresh start, though assets may be affected.

DRO

A Debt Relief Order: designed for people with little spare income and few assets, freezing and then writing off qualifying debts.

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Trustpilot

See what our clients say about us

Margaret

My experience with this team was excellent from start to finish.

Daniel

Outstanding service — friendly and brilliant throughout.

Priya

I felt at ease straight away and everything was dealt with professionally.

View all reviews

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Got questions about a specific issue?

Browse our latest articles covering the most common debt problems and the questions people ask most

Read the Debt Blog

Begin your journey and see why so many people have trusted UK Debt Helpers

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MoneyHelper is an impartial service backed by the Government, providing free debt counselling, debt adjustment and credit information services. MoneyHelper