Debt FAQs

Which is the best option to get out of debt?

That will depend entirely upon your circumstances. With a small amount of debt it is entirely possible for you to manage this yourself with revised budgeting.

High interest, short term debt, such as credit card debt, can be dealt with via a low interest debt consolidation loan taken over a longer period to reduce (and simplify) your monthly repayments.

For larger debts with multiple creditors the best option is usually debt management or an IVA. Both of these involve writing off a proportion of your debts which is a great help in becoming debt free.
How much does it cost?

Initial debt advice and assessment is free. We take your details and match them to the best debt solution. Once we have found the right solution that will get you debt free in the quickest and easiest way we will tell you if any charges are due. These will usually be included within your revised monthly repayment.
How quickly can I become debt free?

That depends entirely upon the size of your debt and the amount you are able to repay. Once we have your details we can give you an indication of the quickest route to becoming debt free and how long it will take.
Is your service confidential?

Yes, absolutely. You can talk to us in confidence about your current debt situation. We are a friendly, helpful company and strive to make the whole process as easy and hassle free as possible.
When is debt a problem?

If you cannot afford the repayments or are only making very small repayments and the debt is steadily growing.
How quickly can you help?

Fill in our enquiry form (right) and we will get straight back to you to discuss your debts and how we can help you with them.
Can I sort out my debt problems myself?

Many people can and do sort out their own debt problems, particularly if the amount of debt is small. For larger debts it can be helpful to get professional debt advice (it's free!) as this can lead to writing off a large proportion of your debts and lower monthly repayments.