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Debt HelpSpecialists UK

We’ve helped thousands consolidate debt into one affordable monthly payment with an IVA.

  • Find the right solution for you
  • Get your debts under control

All options will be clearly explained. If an IVA is right for your situation, fees may apply, read here. Checking your options will not affect your credit score.

Completely confidential
We'll handle your creditors
Lower monthly payments
Stop interest & charges

Money Advice could help you become debt free

UK residents have a right to debt help, and there are tried and tested solutions that could help you:

  • Write off up to 80% of your debts
  • Lower your monthly repayments
  • Stop interest & charges

Apply for debt help if:

  • You owe £7,000 or more in debt
  • You owe money to two or more companies
  • You have a regular monthly income

If eligible, your options will be clearly explained so you can work towards becoming debt-free. Complete our easy online form today.

Free, confidential and no obligation. Checking won’t affect your credit score.

Check if you qualify

Money Advice - Leading Debt Help & IVA Specialists

We're Rated 5-Stars, Here's Why...

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You're just 3 simple steps away from taking control of your debt

1

Tell us about your situation

We’ll listen and understand your circumstances — no judgement, no pressure.

2

We explain your options clearly

We’ll walk you through what’s available and whether an IVA could be right for you.

3

Move forward with confidence

If you decide to proceed, we’ll guide you every step of the way.

Complete the questions below and see if you qualify for help.

Why choose Money Advice?

You are not alone

According to data published by The Money Charity, the average UK household debt hit £65,756* in 2023.

Our team help thousands of families every year across the UK get their finances back on track.

Get debt help

Why choose Money Advice?

Our promise

We promise to give you professional guidance and support from the word go as we endeavour to help you with your debts.

We’ll make sure your personalised plan puts you back in control.

Find a solution

Why choose Money Advice?

Clear explanations of the solutions available

One of our assessors will be on the end of the phone to help you.

Speak to our team

Why choose Money Advice?

We understand

We understand how important it is for you to understand how best to deal with your debts clearly. We can help relieve the stress and allow you to take positive action to resolve your finances.

Request a callback

Benefits of debt help

  • No need to borrow from friends and family
  • Stop the stress of bills you can’t pay
  • No hefty charges for being overdrawn
  • Put a stop to those Payday loans
  • No running out of money so soon after payday
  • Enjoy living life again without debt stress

Where we can help?

We cover England, Wales and Northern Ireland

We want to help you on your journey towards being debt-free.

Enquire today

Top tips for beating debt

If you’ve fallen behind on priority bills or are facing any debt emergency, including:

  • court summons
  • having your utility bills cut off
  • having your home, car or goods repossessed
  • being contacted by bailiffs

You can contact a member of our teeam by calling 0333 305 0521

Monday – Friday 8am-8pm
Saturday 9am-5pm

Budgeting is a great way to get in control and on top of your debts. By following our budgeting advice, you should be able to work out your total income and outgoings and clearly visualise what money you have left each month to pay to your creditors.

We suggest making a list of your creditors, along with money owed and due dates. Making a note of this information with pen and paper is an invaluable way of relieving the likelihood of forgetting payment dates and helps you feel on top of things.

If you’re not sure what debts you have outstanding, don’t worry. Just give us a call, and we will offer a soft credit check facility.

Cut back unnecessary spending by ending any subscriptions that you don’t need. Give your phone, water, electricity, gas and internet providers a call to see if you are on the most suitable plan for you. You might be paying for more than you use per month, which could save you money.

There are many free comparison websites online, which may be helpful to find out the cheapest options for you, from car insurance to your weekly food shop.

Ensure that you’re receiving as much money as you’re entitled to. Consider whether you have any spare time to fit in some overtime or even a second job. There may be benefits that you unknowingly qualify for or similar help from the government or local council.

Check out our debt solutions page. We show you the advantages/disadvantages of the individual solutions for you to make an educated decision as to which route is best to take.

There are several unique options, so make sure that you take the time to read about and understand what each one would mean for you. If necessary, discuss with family or your partner to see which is best for your situation.

Furthermore, you can contact or request a free call back from one of our experienced team who will help you find the right solution for you and help you with any queries or uncertainties you may have.

Facing debt is the only way that it will go away. A simple call to us can get the ball rolling. We can assess your circumstances and ultimately get you on your way to getting your debt under control.

Not only will being active about your debts help you clear them quicker, but it also will relieve enormous stress from you and those around you who may be affected.

We have our very own in-house insolvency professionals ready to set you on your path to a debt solution. This means we can quickly help you establish your eligibility and decide upon the most appropriate solution.

The information we give is free, and there is no obligation to sign up for anything after your initial telephone consultation.

We think the world of money can be a complicated place, as decisions about overcoming financial difficulty are big, especially when there are many possible solutions out there. We understand this, and that’s why we like to keep things simple.

There’s no pressure from us to make a quick decision, and we’re here when you’re ready to move forward.

Read our success stories from real-life customers who had an experience worth shouting about. 99% of customers would recommend us to friends or family.

Thousands across the UK have explored whether an IVA could help.

Rated 4.9/5 on Trustpilot from over 2,200 reviews, and 5/5 on Feefo from over 3,600 reviews.

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Is an IVA right for you?

Answer a few questions to find out whether an IVA could suit your circumstances.

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Prefer to arrange a call?

Speak to us about your options at a time that works best for you.

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.