For your family
Less stress at home
When the bills stop shouting for attention, you get back the headspace to be present with the people you love.
You Deserve
a Life Without
Debt.
Thousands of people across the UK are dealing with debt they feel trapped by. There are options that could reduce what you pay, freeze interest, and put you back in control - in as little as one phone call.
- 2-minute check
- No credit-score impact
- 100% confidential
Real people. Real support. Free advice.
Customer rating
4.8 / 5
from thousands of UK reviews
Lower repayments
Pay one bill
on one date every month
Confidential and secure
Private
your data is protected
100% free
No cost, ever
2 minutes
Quick check
No pressure
You're in control
Judgement-free
Real support
Bring it all together
Many debts in -
One payment out.
Stop juggling letters, app notifications and direct debits. We combine what you owe - across cards, collectors, council tax and utilities - into a single, manageable monthly payment.
- No more chasing calls or letters
- Predictable date, predictable amount
- Repayments based on what's affordable
Eligibility depends on your circumstances. Fees may apply. Some solutions affect your credit rating.
Example debt total£15,000
- B£4,820
Barclays
Credit card
- L£3,140
Lowell
Collection agency
- CT£2,650
Council Tax
Local authority
- C1£1,980
Capital One
Credit card
- UU£1,290
United Utilities
Water arrears
- BT£1,120
BT
Overdue bill
One lower monthly payment
Just one
replaces every debt above
Pay less
See what you could save
Instead of juggling multiple bills, your unsecured debts could be combined into one affordable payment.
You're currently paying
£500
across multiple debts
You could be paying
£205
with up to 59% written off*
*Calculations based on projected average write-off data for IVAs and Trust Deeds approved in 2024. Subject to individual circumstances. Fees may apply. Not all applicants eligible.
Reasons to get debt free
Why people take the first step.
It's not just about money. It's about sleep, family, and finally feeling like yourself again.
For your sleep
Rest without worry
No more 3am panic about post or calls. A clear plan means your mind can finally switch off at night.
For your future
Room to breathe again
Debt freedom opens space for savings, birthdays, and plans that don't start with 'after I've paid the debts'.
How it works
Getting help is easier than you think
Three simple steps, zero pressure.
1
Tell us about your debt
Answer a few simple questions about what you owe. No judgement - we've heard it all.
2
We find your options
Our expert partners check your eligibility across all UK debt solutions. Plain English, no jargon.
3
You choose what's right
We'll walk you through your options. Zero pressure - you decide if and when you're ready.
See if you qualify in 60 seconds
No obligation. Completely free. Takes less than 2 minutes.
How much unsecured debt do you have?
We help UK residents with £6,000+ in unsecured debt.
Your options
Your options, explained simply
There are several ways to tackle unsecured debt. Our advisers will walk you through each one.
Individual Voluntary Arrangement (IVA)
A legally binding agreement to repay what you can afford over 5–6 years, with the rest written off. Available in England, Wales & Northern Ireland.
Debt Management Plan (DMP)
An informal arrangement to repay your debts at a rate you can afford. No legal process - just one manageable monthly payment.
Debt Relief Order (DRO)
For people with lower incomes and minimal assets. Pauses debt repayments for 12 months - after which qualifying debts are written off.
Bankruptcy
A last resort that writes off debts you can't repay. It has serious implications but can give you a genuine fresh start.
These solutions may affect your credit rating and can involve fees. Eligibility depends on your individual circumstances.
Real stories
People like you, on the other side of it.
Every story below belongs to a real person who chose to share theirs.
Sarah · Leeds
"I was terrified to make that first call. Within hours I had a plan, a payment I could actually afford, and felt like I could breathe again."
£12,300 of credit card debt
James · Birmingham
"I avoided this for years. I wish I hadn't. The team explained everything without judgement and helped me find a solution that actually worked for my family."
£21,800 across 6 creditors
Karen · Manchester
"After years of stress, sleepless nights, and ignoring calls from creditors - I'm finally on a structured plan and sleeping properly again."
£9,600 + council tax arrears
4.8 / 5 · Rated Excellent on Trustpilot
Debts we can help with
LoansCredit CardsBuy Now Pay LaterUtility BillsOverdraftStore CardsCouncil TaxHMRC Debt
Not sure if your debt qualifies? Our advisers will check everything for you - no debt is too messy.
FAQs
Common questions
If you're unsure, you're not alone - here are the questions we hear most.
Yes. Our service is completely free to use. If you go on to take a debt solution, fees may apply depending on the product - but our initial assessment and connection to an adviser costs you nothing.
Today is a good day to start over.
Two minutes. No credit-score impact. No pushy phone calls. Just clarity on what's actually possible for you.