Debt Options

to help get out of debt

The Debt Counsellors can assist you with any type of debt problems and offers a wide range of free advice and professional debt solutions:

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Free Debt Management Plans

You will not pay any fees for a Debt Management Plan with us.

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Individual Voluntary Arrangements

An IVA is a formal legal solution to your debt problems.

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Full & Final Settlement

A lump sum settlement with creditors may be possible in some circumstances.

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Administration Orders

An Administration Order obliges you to make regular payments from your income to the court.

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Debt Relief Orders

As Approved Intermediaries we can assist your application for a Debt Relief Order (DRO).

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Bankruptcy Advice

Sometimes a fresh start may be your best option.

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Debt Consolidation Loan

We don’t offer loans, but can recommend if it’s a suitable option for your debts.

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Income Maximisation

Our debt advice process ensures you’re receiving all the money you’re entitled to.

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Priority Debts

We can help with priority debts and will also look at less common debt options.

Mounting debts? Need help?

Get FREE debt advice
I Need Debt Help

For free, independent, impartial and confidential debt advice call free phone 0300 456 2726
Calls are free from a BT landline.

Please note if you’re calling from a mobile your provider may make a charge, If you give us your mobile number we will call you back in order to save your bill.

People living in Scotland and Northern Ireland

At present, the Debt Counsellors can only give debt advice and support to people living in England and Wales. The legal system and debt remedies available are different in Scotland and Northern Ireland.
Scotland
If you have debt problems and live in Scotland, you should take a look at the information available on the Accountant in Bankruptcy website. The Accountant in Bankruptcy is a government department. The leaflet includes details about free debt advice providers in Scotland.
Northern Ireland
If you have debt problems and live in Northern Ireland, you should take a look at the information available on the Department of Enterprise, Trade and Investment, which is a government department. It includes details about free debt advice providers in Northern Ireland.

Debt Self Help

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There are a several types of organisations that can offer debt advice and solutions. We’ve listed the main ones, together with fee charging debt organisations and websites that are the most popular.

The Money Advice Service are an independent service, set up by government that list some of the organisations we have listed. Debt Self Help

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