We set out, in plain English, the debt solutions that exist in England and Wales. If you’d like to go further, we can introduce you to one regulated debt advice firm who can advise you properly — not a call centre list.
Which of these could apply to you depends entirely on your circumstances. Below is a short, general description of each — a regulated adviser can explain them properly and confirm what may be available to you.
A formal, legally binding insolvency arrangement, set up and managed by a licensed Insolvency Practitioner.
An informal arrangement to repay what you owe at a reduced monthly rate, shared between your creditors.
A formal insolvency solution for people on a low income with few assets and a lower level of debt.
A formal, court-based insolvency process with significant and lasting consequences, usually considered only after other options.
We connect you with one regulated adviser who assesses your full situation and explains every option — not just the one that earns them the most.
Roughly what you owe, how many creditors, your employment situation and income range. No exact figures, no essays. Takes about two minutes.
Your details go to one regulated debt advice firm suited to your situation — not a list resold to a dozen companies. No automated sales calls.
They review your full circumstances and explain every solution that applies — IVA, DMP, DRO, bankruptcy, or something else — before recommending anything.
Answer six short questions and we can introduce you to one regulated debt advice firm who can go through your full situation — free to check, no commitment required.
Takes 2 minutes · No obligation · One firm only · Free independent advice always available
You’ll never see “write off up to 85% of your debt” from us. Real figures come from your regulated adviser after reviewing your actual situation — not from an ad.
No countdown timers, no “23 people viewed this today.” A decision about your unsecured debt deserves proper consideration, not manufactured pressure.
We share your details with one regulated firm — not a marketplace of buyers. You know exactly who will contact you before you submit anything.
Free, independent debt advice is always available from MoneyHelper, National Debtline, and StepChange — and we say so clearly, including right here.
Every piece of content on this site is reviewed against the ASA and CAP advertising rules, and checked with our partner firm, before it publishes.
Checking your options costs nothing and commits you to nothing. You are free to take the information and speak to a free adviser instead.
Basic information only — nothing here asks you to exaggerate or adjust your figures to qualify.
Your matched adviser will be in touch shortly to go through your full circumstances properly. You’re not committed to anything by submitting this.
Changed your mind, or want to talk to someone today instead? MoneyHelper: 0800 138 7777.
If you’re authorised to give debt advice and want introductions collected honestly — clear disclosures, no inflated promises, no coached answers — we’d like to talk. We work with a small number of regulated partners and prioritise quality over volume.