Debt Advice Now

Debts getting you down? Get expert help and advice on a range of solutions

Expert debt advice - call Debt Advice Now

If you're struggling with your debts, the right advice can make all the difference.

We could help

Fill in our form and an adviser will call you back to discuss your situation and the best solution for you.

Need debt advice?

Call 0800 970 7673 or fill in our simple form to receive a no-obligation call back from a friendly, experienced adviser.

Fees & Key information

Find out more about the fees involved with each debt solution.

Get expert debt advice here

Tell us about your situation

Tell us about you

Expert debt advice from Debt Advice Now

If you're struggling with your debts, the right advice can make all the difference. There's no point 'reinventing the wheel' when there are professional debt advisers who've dealt with the issues you're facing many times before.

The first step in sorting out your debts is acknowledging that you need to. The second step is deciding whether you can do it on your own or if you need help.

What kind of debt advice do you need?

Before you can tackle your debts, you need to know how. Doing the wrong thing can easily make matters worse. What do you need to know?

  • "Which of my debts are the most important?"
  • "What do I tell my creditors if I can't pay?"
  • "What happens if I miss a mortgage payment?"

If you need answers to questions like these, you could search the web - or you could ask a professional debt adviser.

Along with answering your specific questions, they can help you help yourself. In many ways, the best kind of debt advice is the kind that teaches you something lasting - like how to budget, for example. Keeping track of the money going into and out of your household will help you:

  • Spot where you're wasting money.
  • Figure out if you're entitled to any benefits you're not claiming.
  • Work out the most effective way of paying off your debts.
  • Negotiate with your creditors.

Do you need more than debt advice?

Sometimes, the right debt advice is enough to help you sort out your problems, get on top of your debts and get your finances back on track.

Sometimes, though, you need more than debt advice. There are lots of different debt solutions out there, so how do you know which one might be right for you? Just because a particular debt solution has worked (or hasn't worked) for someone you know, that doesn't mean it is (or isn't) right for you.

Everyone's situation is different, but the right debt adviser will have the experience to weigh up your finances and help you explore your options. They'll be able to suggest different ways of tackling your debts and take you through the pros and cons of each possibility.

What debt help do we provide?

Our partners offer a wide range of debt solutions to help people in all kinds of financial circumstances. Whether you're just starting to struggle or already experiencing serious financial problems, they could help you find a way out.

Debt management plan

If your debt repayments have become unaffordable, a debt management plan could help you get back on top of your finances. It works by reducing your monthly unsecured debt repayments to a manageable level, taking into consideration your other essential living costs (e.g. bills).

Find out more about debt management plans

Debt consolidation loan

A debt consolidation loan could help you to reduce your outgoings and simplify your finances by rolling your debts into one easy-to-manage monthly payment.

Find out more about debt consolidation loans

IVA (Individual Voluntary Arrangement)

An IVA involves repaying as much of your unsecured debts as you can over (usually) five years, and the rest is written off on successful completion. It could be an option if you can't afford to repay your unsecured debts in full within a reasonable timeframe but don't want to petition for bankruptcy.

Find out more about IVAs

Trust Deed - Scotland only

The Scottish equivalent of an IVA. If you simply can't afford to repay your unsecured debts in full, a Trust Deed could enable you to repay as much as possible over (normally) three years, before the rest is written off on successful completion.

Find out more about Trust Deeds

DAS (Debt Arrangement Scheme) - Scotland only

The Debt Arrangement Scheme is a statutory debt management scheme set up by the Scottish government. It enables you to repay your unsecured debts at a manageable pace while freezing interest and protecting you against enforcement action by your lenders.

Find out more about DAS

DRO (Debt Relief Order)

A Debt Relief Order is a debt solution for people with unmanageable debts who are on a very low income and have few valuable assets. If you want to go bankrupt but can't afford the fees, a DRO could be an option.

Find out more about DRO

Bankruptcy

Bankruptcy is a legal process in which your unmanageable unsecured debts are written off by a County Court. Although it's often considered a 'last resort' for tackling debt, it can be the best option for some people.

Find out more about bankruptcy

LILA - Scotland only

The Low Income, Low Asset route into bankruptcy for Scottish residents. If you can't afford the fees for bankruptcy, LILA could ensure you still get the help you need.

Find out more about LILA

Useful free guides

Download the Insolvency Service guide to dealing with lenders.

Download the information package from Scotland’s Insolvency Service.

Debt Management: how it could help

Here is an example of how a Debt Management Plan could make your debts more manageable.

Credit card £7,000
Personal loan £6,000
Store card A £3,000
Store card B £2,000
Total owed £18,000
Current monthly repayment £700
With a Debt Management plan:
New repayments £250

Repayments are based on affordability and vary from case to case.

Need debt advice?

Call 0800 970 7673or fill in our simple form to receive a free no obligation call back from a friendly, experienced adviser.