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debt solution each week
Authorised and regulated by the Financial Conduct Authority. Advice is free but fees and disadvantages may apply if you enter a debt help solution. Solutions apply to unsecured debts only. May not be suitable for all. Write off based on individual circumstances. Read here.
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Instead of juggling lots of bills, your unsecured debts could be combined into one affordable monthly payment, based on your income and household budget.
Monthly payments
£550
£200
£1,000
Before
£550
to debts*
After
£226
with 59% write off **
*Calculations are based on projected average write off data for IVAs and Trust Deeds approved in 2024. Debt write-off is subject to individual circumstances. Monthly payments may vary. Other solutions are also available. Fees & disadvantages may apply. Not all applicants are eligible.
A formal debt solution like an IVA lets you make one simple monthly payment towards your unsecured debts. After the plan ends, any remaining eligible debt may be written off.
60
fixed monthly payments*
5
year term*
1
payment per month
These solutions may affect your credit rating and can involve fees. *The length of term is dependant on the debt solution. We’ll explain everything clearly so you can decide if it’s the right path for you.
A formal debt solution like a Trust Deed lets you make one simple monthly payment towards your unsecured debts. After the plan ends, any remaining eligible debt may be written off.
48
fixed monthly payments*
4
year term*
1
payment per month
These solutions may affect your credit rating and can involve fees. *The length of term is dependant on the debt solution. We’ll explain everything clearly so you can decide if it’s the right path for you.
Answer a few questions to let us know about what you owe.
Our expert will check your eligibility for all UK debt solutions.
Choose the best solution to manage what you owe with lower monthly payments.
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
100% satisfied with service and help!
Can’t explain how helpful and resourceful Joanne was for me! Very reassuring and when you need help advice questions worries I was treated fairly and listened to without fault. So happy with service and how my life has been made so much better and easier. Don’t hesitate to call in you won’t be disappointed. 5 stars from me 100%.
James Sarjant
5 days 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
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.
