Private & Confidential

Regulated Help

Trained Experts

100% Free to Setup

Take Action Today

If you are worried about managing your debt, Talk to the experts.

We can help you idenfy all available solutions put together a personal action plan so you can clear your debt in the shortest time possible.

Give us a call today 0333 678 5500, Complete our easy online form and request a callback at a time that’s convenient to you.

Our dedicated team of debt specialists are here from 8am until 8pm.


  • No obligation
  • Regulated Advice service
  • Completely Private & Confidential

You could be only a few steps away from a debt free life!


Individual Voluntary Arrangements, or IVAs, were introduced by the Government to help people who can’t afford to repay debts above £5,000. Under an IVA, up to 80% of your debt could be written off and your creditors are not allowed to add interest or charges. The typical term is 60 months.

Learn more
Debt Management
Debt Management

Debt Management involves negotiating agreements with your Creditors to make reduced payments to them each month, usually with the help of a Debt Management company.

Learn more

Bankruptcy is usually considered a last resort but can be an effective solution for those in severe financial difficulty as all debts included are written off.

Learn more
Debt Relief Order
Debt Relief Order

A Debt Relief Order, or DRO, is a type of Bankruptcy aimed at people with few assets who have no ability to repay their debts. Like Bankruptcy, all debts included in a DRO are written off but the qualifying criteria is strict.

Learn more

Find your solution to debt

If you are unsure of what solution is best for you, click below to read more about alternative Debt Solutions and find the right one for you.

Find a solution

Debt Solutions made simple

Keep reading to find out which services and solutions we currently offer or give us a call on 0161 359 5599.

Individual Voluntary Arrangement (IVA) A legally binding agreement between you and your creditors to pay an affordable monthly payment for a set period of time – usually 5 or 6 years, and then any remaining debt will be written off.

Debt Management Plan (DMP) An informal agreement between you and your creditors to pay back your debts. Work out what’s really affordable for you and pay one set monthly payment, which is then divided between your creditors. A DMP is not insolvency, you’re not tied in for a minimum period and can make changes to your payment if your circumstances change.

Minimal Asset Process (MAP) A route into sequestration (bankruptcy) for people with no assets who are on a low income or benefits. Rather than having to pay the standard £200 upfront fee for sequestration, the fee for MAP is just £90. MAP lasts for a shorter period of time than sequestration – usually just 6 months. The upfront fee is much cheaper and the qualifying criteria is less than with sequestration so if you are struggling to make ends meet and have no spare income with which to repay your debts after all your essential household expenditure has been taken care of, it could be worth considering MAP.

Bankruptcy If you have a debt problem, one of your options for sorting it out might be bankruptcy. You can apply for bankruptcy if you can’t pay back your debts. As well as applying for bankruptcy yourself, someone else you owe money to (a creditor) can apply to make you bankrupt, even if you don’t want them to. For a creditor to make you bankrupt, you must owe at least £5,000. Remember, bankruptcy might not be your only option and it might not be the best one for you.

Debt Relief Order (DRO) A legally binding agreement between you and your creditors to pay an affordable monthly payment for a set period of time – usually 5 or 6 years, and then any remaining debt will be written off. A Debt Relief Order (DRO) is one way to deal with your debts if you meet certain criteria; Your debts are no more than £20,000, You don’t own your home. You’ve got £50 or less left over each month after you’ve paid your usual household expenses. Other savings or things of value you own are worth less than £1,000. You don’t own a car worth £1000 or more, unless it’s one that’s been specially adapted because you have a disability.

Protected Trust Deeds (PTD)A formal debt solution intended to take away the stress of multiple and/or unmanageable debt payments by combining these debts into a single regular payment. It can offer protection from creditor legal action and protect repossession of assets, including your home. Trust deeds can be voluntary, but it is only when it becomes protected that you are offered these kinds of legal safeguards and they become binding on creditor



Top Tips for Beating Debt

You can request a Budgeting Planner from any of our advisors by calling 0161 640 6400. It gives a range of advice to follow, from increasing your income to knowing your debts properly by offering a free soft credit search that won’t affect your credit.

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 ingoings 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 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.

Cut back unnecessary spending by ending any subscriptions that you don’t need. Give your phone, water, and 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 actually use per month and this could save you money. 

There are many free comparison websites online, which may be useful 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. There may be benefits that you unknowingly qualify for or similar help from the government or local council. Consider whether you have any spare time to fit in some overtime or even a second job.

Check out the ‘Our Solutions’ page and read about what we have to offer you. We show you the advantages/disadvantages of the individual solutions for you to be able to make an educated decision as to which route is best to take. 

There are a number of 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 advisors who will help you find the right solution for you and help you with any queries or uncertainties that you may have.

Facing debt is the only way that they will go away. A simple ring to us can get the ball rolling with clearing your debts, as we can advise you on your individual circumstance and ultimately, get you on your way to being debt-free on a solution tailored to you. 

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


Our promise?

What to expect…

1. Tell us your situation
You will be given the opportunity to speak freely about your situation

2. Assess your situation
We’ll work with you to gain a full picture of your circumstances

3. Explore your options
You’ll get a personal action plan and recommended debt solutions that suit your situation.

4. Choose your debt solution
We’ll help you get things set up and give you the support to deal with your debts, however long it’s needed.

Are you seeking a solution for your current debt problem?

This website uses cookies to ensure you get the best experience on our website. Learn More

Got It