Advice and support is also available at Money Helper.
Advice and support is also available at Money Helper.
My mentor was Nicole
I was very wary about moving forward with IVA everything seemed so daunting and difficult to understand. But Nicole explained everything to me in great detail and every quest…
Paul Wright
1 day ago
Michael put my mind at ease
I have been worried about debt to the point it was affecting my mental health. After speaking with Michael I feel so much relief that there was not only different solutions but they were explained clearly and in such a friendly manner, all my questions were answered and I feel I have made the right choice.
Mrs Coyne
7 days ago
Beyond thankful!
I’m so beyond thankful that I discovered UK DEBT. The greatest communication and customer service. 10 out of 10 for senior advisor Joanne of whom I cannot speak highly enough. Thank you so much.
Matthew Harper
7 days ago
We’ll begin by understanding your affordability, including your income, expenses and debts.
An advisor will talk through all the options you’re eligible for, going through the pros and cons of each.
Choose the best solution to manage what you owe, that could lower monthly repayments.
Practical debt advice
to help you find the best solution
We are rated 5 star by
more than 93%
on Trustpilot
Check your eligibility
for solutions like IVAs, Trust Deeds and more…
We’ve helped over
300,000
people with their debt
We offer advice on all debt solutions available to you, including Individual Voluntary Arrangements (IVAs). Here’s an example of how a debt solution could help.
£19,256.57
65%
£110
Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.
May not be suitable in all circumstances. Fees and disadvantages may apply, read here.
My mentor was Nicole
I was very wary about moving forward with IVA everything seemed so daunting and difficult to understand. But Nicole explained everything to me in great detail and every quest…
Paul Wright
1 day ago
Michael put my mind at ease
I have been worried about debt to the point it was affecting my mental health. After speaking with Michael I feel so much relief that there was not only different solutions but they were explained clearly and in such a friendly manner, all my questions were answered and I feel I have made the right choice.
Mrs Coyne
7 days ago
Beyond thankful!
I’m so beyond thankful that I discovered UK DEBT. The greatest communication and customer service. 10 out of 10 for senior advisor Joanne of whom I cannot speak highly enough. Thank you so much.
Matthew Harper
7 days ago
Hayley, June 2026.
Not usually. If the debts are solely in your name, your partner’s credit file or finances shouldn’t be affected. However, if you have joint debts or shared financial agreements (like a joint loan or mortgage), your partner may be impacted. It’s important to speak to your advisor to understand your specific circumstances.
Yes, you should continue making payments to your creditors until your debt solution is agreed and in place. Missing payments before then could lead to additional interest, charges, or enforcement action. Once your solution starts, payments will usually be made through your provider.
Yes, most debt solutions will have a negative impact on your credit file and will be recorded for six years. However, if you’re already behind on payments or struggling with debt, your credit score may already be affected. A solution can help you take control and work towards rebuilding your credit over time.
You may still be able to get a mobile phone contract or vehicle finance, but it could be more difficult. Lenders may see you as higher risk, so your options may be limited or come with higher interest rates. It’s best to speak to your provider before taking on any new financial commitments.
All advice provided by UK Debt Expert is free. However, some debt solutions do include fees, and will be explained in full before you commit.
In most cases, no. However, some professions—particularly in finance, law, or roles requiring security clearance—may be affected. Check your employment contract or speak to your HR department if you’re unsure.
Unsecured debt is borrowing that isn’t tied to an asset, such as credit cards, personal loans, or overdrafts. Secured debt, like a mortgage or car finance, is linked to an item that the lender can reclaim if you fall behind on payments. Most debt solutions only cover unsecured debts.
It depends on your individual circumstances. Some people can write off a significant portion of their unsecured debt—sometimes up to 80%—but this varies based on what you can afford to repay over the term of your plan and is subject to creditor approval. A qualified advisor can help you understand what might be possible for you.
