Why people choose us We offer a wide range of debt solutions

An IVA (Individual Voluntary Arrangement) is a solution that became popular over the last 10 years. It suits people who are struggling to pay their debts however want to pay an amount that is realistically affordable. It is a legally binding arrangement between you and your creditor usually over 60 months. It is suitable for you if you owe over £7,200 to creditors. Payments start from £70 onwards and are subject to individual circumstances and affordability.

Debt management
Debt Management Plan is an informal arrangement that between you and your creditors. It suits people who are struggling to pay you unsecured debts such as loans, credit cards and payday loans. With a Debt Management Plan, all your unsecured debts are combined together, and you pay one affordable monthly payment towards them. We will also aim to freeze your interest and charges.

Trust deeds
If you are a Scottish Citizen with over £5,000, you may be eligible for a Trust Deed. A Trust Deed is a formal agreement between you and your creditors that allows you to pay back what you can afford. A Trust Deed will freeze any interest rates and charges and will stop your creditors from taking any further action against you, if you maintain regular payments. It takes around 4 years to complete after which any remaining debt is written off!

Bankruptcy - If you can’t afford to repay your debts, this form of debt relief lets you write it off entirely. You may need to sell any assets that you own to repay your creditors. Debt Relief Order - If you have few assets, very little extra income and debt which is under £20,000 in value, then a DRO may be the right option for you. Refinancing - If you have equity in your home then a re-mortgage or equity release might be an option for you. Refinancing your existing debts may be a alternative solution as well.

Carlo's IVA Story

Carlo Owed  
Bank Loan £15,171.22
Credit Cards £5,888
Overdrafts £102.49
Utilities Arrears £713.81
Payday loans £1,131.94
Store cards
Total Owed £24,114.16
£876 before plan

Total contractual repayments

£160 after plan

Total contractual repayments Reduced by 78.14 %

Carlo's total debt written off was £18,841 over a period of 5 years

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Debts we can help you with


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"Always would recommend them. Recently have been speaking with a close friend who is struggling, and she will call them. They are all a team and compassionate and so, so understanding. Over 6 years they always listened to me and guided and helped me. Am now debt free, all paid up. Thank you all so much. Highly recommend them."

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"I didn’t know what to expect from their Service but judging by previous experience with my creditors I wasn’t looking forward to it. They were understanding, caring, sympathetic and incredibly helpful. If you are struggling with debt - these people, make debt their business and I was relieved to have the help that I so desperately needed."

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"My advisor spent over an hour on the phone with me to completely understand my situation. He had a genuine interest in helping me get my life back together and that is exactly what he has done. I felt very comfortable speaking to him and would recommend him to anyone seeking help when they feel all is lost or nowhere to go to. Thank you again!"

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"I was living in the dark with my debt then I found these people online. Prior to me contacting these people I was depressed, I was admitted to hospital with a suspected heart attack, I’m only 29. It turned out to be anxiety and stress due to my debt. I can’t tell you enough that I was close to giving up. These people helped me all the way, gave me an affordable payment each month, extremely easy to talk to."

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