Setting you debt free to start again
  • Repay your debts over a period you can afford
  • We deal with your lenders so that you don't have to
  • Possibility to freeze your interest payments

Just some of the debts we can help with ...

How It Works...

Click "Wipe your debt free now!!! To Take Our Free, Confidential Debt Assessment Test.

Review Your Options Based On The Outcome Of Your Test

Get Free, Confidential Debt Advice And Start Reducing Your Debt

They’ve said about us…

About is one of the UK's leading debt help portals. Trusted and used by thousands of people each and every week, is arguably one of the UK's leading desitinations for effective, confidential debt help and advice.

Using our service couldn't be easier, simply complete our simple debt assessment test by clicking on the "Wipe your debt free now!!!" button above and find out what debt solution best fits your needs.

Who can Help?

We help people of all ages, from all walks of life and regardless as to how serious their level of debt may be. If you are looking for truly effective debt help and expert debt advice then you have come to right place.

Possible debt solutions

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement between yourself and the people in which you are indebted to (Creditors) and is designed to help you effectively manage your debts by only paying what you can comfortably afford.

An IVA is prepared by a licensed Insolvency Practitioner who will negotiate with creditors on your behalf. As mentioned above, you will pay a fixed amount per month into your IVA (that you can comfortably afford) and this amount will be shared across your creditors. After 5 years your remaining debt will be written off - this can be as much as 85% of your original total debt!

IVA's are perhaps one of the most popular debt management solutions, with more than 60,000 people per year entering into one.

The benefits of an IVA include:

Debt Management

A Debt Management Plan (DMP) is a non-formal agreement between yourself and your creditors. Unlike an IVA, a debt management plan does not allow you to write off a % of your total debt and will not necessarily be accepted by all of your unsecured debts (creditors) although on most occasions it will. Debt repayments can be spread out over a longer period that then typical term of an IVA (5 years).

Debt Consolidation

Debt Consolidation is a type of debt restructuring in which the debtor usually enters into a new credit agreement (loan or credit card) and consolidates all of their existing debts into one larger loan or credit line. This type of debt option may be suitable dependant on your personal circumstance, level of debt and affordability.


If an IVA, Debt management plan or Debt Consolidation are unsuitable then it may be that Bankruptcy is the most suitable option. Bankruptcy is a legal ruling in which the Bankruptee essentially declares that they are unable to repay their unsecured debts and any assets will be used as a means to repay creditors. Bankruptcy is only an option if no other exists.


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