Find the right way to deal with your debt
Clear, honest comparisons across every major debt solution — including the real trade-offs, not just the upsides.
Try the debt reduction calculator →Popular options
See all →Individual Voluntary Arrangement (IVA)
Fixed payments for 5 years, remaining debt written off
Compare options →Debt Management Plan
Informal repayment plan — pays debts in full, over more time
Compare options →Other debt solutions
See all →Debt Relief Order (DRO)
For qualifying debts of £50,000 or less
Compare options →Bankruptcy
A formal, last-resort route to write off unaffordable debt
Compare options →How this works in other countries
4+ real options per country — click a country to see the full list and compare.
Latest articles
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🇬🇧 UK🌍 Global
Building a Standard Financial Statement
The budget format creditors already accept, why it includes a savings line, and where people go wrong filling…
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🇬🇧 UK🌍 Global
Preparing for a Debt Advice Appointment
What actually happens in an appointment, in what order, and how to make one hour do the work…
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🇬🇧 UK🌍 Global
Debt Management Plan, IVA or Debt Relief Order?
Three routes people routinely confuse. What each one is, who it is built for, and what happens when…
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🇬🇧 UK🌍 Global
Dealing With Creditors and Debt Collectors
Collectors are not bailiffs and have no powers of entry. Where the line sits, and how to tell…
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🇬🇧 UK🌍 Global
Checking a Debt Firm Is FCA Authorised
Two minutes on a public register. The trading-name step is the one that catches most problems.
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🇬🇧 UK🌍 Global
Fee-Charging Debt Firms Against Free Charities
Same statutory arrangement, same legal effect – the difference is where your monthly payment goes.
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🇬🇧 UK🌍 Global
Protected Trust Deeds: How They Work and What They Cost
Protection, contributions, duration and the effect on assets – including the two things the marketing rarely explains.
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🇬🇧 UK🌍 Global
Breathing Space: Statutory Protection From Creditors
A legally protected pause, not a debt solution. Eligibility, duration, and what the scheme does and does not…