Do you owe more than £2,000? We could help reduce your debts by up to 70%!

Apply for Debt Management Any UK resident with two or more creditors and over £2000 of unsecured debt can apply. If you apply for a Debt Management Plan, our advisers will guide you through the process by telephone, giving you professional advice on whether Debt Management is the right course of action for you. Apply for an IVA or Trust Deed If you live in England or Wales and are unable to pay your debts, you may apply for an IVA, Scottish residents must apply for a Trust Deed. In general IVAs and Trust Deeds are awarded to Individuals that have over £15,000 of debt and two or more creditors. If you are already subject to a Bankruptcy Order you may still apply. If the arrangement is approved, your Bankruptcy is annulled. Break FREE from your Debts Our debt help partners can provide a solution to your debt problem allowing you to take back control of your finances without taking on another loan. Take back control of your life today. Become debt-free with our help! The way it works: Fill out quick and simple FREE application. Talk to our debt help partners. Start managing your debt - quickly and easily. The entire process is as fast and easy as 1-2-3! Apply today. Some of the benefits: Protect your family Keep your home No more embarrassing phone calls Freeze interest and charges Protection from your creditors No more credit or loans No more threatening letters "Apply today, before your debts become unbearable; and it may be too late for you. It is your right to live debt-free."

Debt Help - Apply now: Forename Surname Address line 1 Address line 2 Town County Postcode Email address Home/work phone Mobile Phone Best time to contact Please Select 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 Monthly Net Income Monthly Expenses 1 Nature Of Income Please SelectEmployedSelf EmployedPension OnlyState Benefits Only Number of Creditors Please Select2345678910 or more Total Amount Owed 2 Homeowner Status Please SelectHomeownerTenantLiving w/ Friends or Relatives 1 Your monthly living costs excluding unsecured debt repayments 2 Excluding mortgages/secured loans

Debt Management Plans (DMP)

Depending on your individual situation, Debt Management can be an excellent debt solution to your circumstances. Nonetheless, an IVA (Individual Voluntary Arrangement) or any other debt solutions may be more relevant and of more help to your circumstances, so it may be worth to fill our quick and easy form and let us find a solution that best suits you. It is totally free and with no obligation.

How does Debt Management work?

Unlike an IVA (Individual Voluntary Arrangement), debt management is not a legally binding agreement, as it is not backed by government laws or legislations. There may be other debt solutions available that are more suitable for your debt, so contact us now via our online form and let us know your circumstances to find out.

Debt Management

An informal debt management arrangement may be suitable for those who have low levels of disposable income and as a consequence are unable to meet their regular loan repayments. They consist of a settlement formed with your creditors under which you agree to continue to meet monthly payments but for a lower, more affordable amount of your loan.

Informal agreements are not officially regulated and while this means they are flexible to your circumstances and relatively simple to set up, it also means that they are not a legal agreement. Therefore, your creditors are still able to include additional interest and charges to your debt, to review, and alter the agreement periodically and even to revoke the agreement.

For the above reasons, this type of solution only tends to work in reality when you owe money to a small number of creditors, not least because all creditors must agree (and continue to agree) to the informal agreement for it to be deemed valid.