How it works
Answer a few quick questions to check if you qualify to write off debt
An adviser will assess your situation and determine the best course of action
Leave it to the team to do the rest
Worried About Debt? We’re Here to Help.
If you’re struggling with debt, you’re not alone.
Every day, thousands of people in the UK face financial stress – but taking the first step towards getting help can change everything.
DebtHelper.org.uk connects you with friendly, experienced advisers who can guide you through your options and help reduce your monthly repayments.
Frequently asked questions (FAQ)
There are several debt solutions available depending on your circumstances. These include Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and in some cases, Bankruptcy. The Equivalent to an IVA in Scotland is know as a Trust Deed. Each option has its own benefits and drawbacks, and the best solution will depend on your level of debt, income, and assets. Our team can help you understand which route may be most suitable for you.
No, getting initial debt advice from us is completely free and comes with no obligation. We’re here to help you understand your options and guide you through the next steps if you choose to proceed. Some formal debt solutions may involve fees if you go ahead, but these will always be explained clearly before you commit to anything.
To offer tailored advice, we’ll need some basic details such as your income, expenses, a list of your debts and creditors, and any assets you might have. The more accurate the information, the better we can assess your options. Everything you share is kept strictly confidential.
This depends on the type of debt solution you choose and your individual circumstances. For example, with an IVA, you could write off a significant portion of your unsecured debt, sometimes over 70%, once the arrangement is complete. In a DRO or bankruptcy, even more debt could potentially be written off. We’ll help you explore what you’re eligible for.
Speaking to someone about your debt is the first step toward taking back control. Struggling with debt can feel overwhelming, but you’re not alone. Our friendly advisers can help you see the bigger picture, explain your rights, and offer solutions that reduce stress, stop creditor contact, and give you peace of mind.
Yes, it is completely legal to write off certain debts through formal debt solutions recognised under UK law. Solutions like IVAs, DROs, and bankruptcy are designed to help people who cannot afford to repay everything they owe. Our advisers can explain how these work and whether you qualify.