Free Debt Advice For Your Secured and Unsecured Debt


Consolidate your debts and combine your monthly outgoings.

Individual Voluntary Arrangements

Write off the debt you can't afford and prevent or stop legal action.

Debt Management

Create a repayment programme that you can afford.


Unlock cash in your property, and lower your mortgage payments.

Debt Advice

Free debt advice guides, information and tips on debt.

Trust Deed

Scottish residents can be debt
free in as little as 36 months.


Welcome To - Your Ultimate Resource To Becoming Debt Free

Here at we understand that most people struggle with debt at some point during their lives.

Struggling with debts can be a real burden, causing untold stress and worry - but it doesn't have to be that way!

In the UK there are many solutions available to help you conquer your debt problems, including an IVA, Debt Consolidation, Debt Management, and even Remortgage.

We are a 100% free organisation that is run and updated by volunteers who have all experienced debt problems in the past.

All our information is provided free to show to other individuals struggling with debt that there are options and help available, and that you need not spend another second worrying about debt.

Our personal finance guides will provide you with the information you need to:

Debt Solutions

How would it feel to be debt free?

If you're debts are beginning to spiral out of control then now is the time to take positive action. Below you will find a number of debt solutions that will help to address your debt problems and help you to gain control on your finances.

Debt Problems

Don't bury your head in the sand!

If you're experiencing any of the following debt related problems in your current situation, then now is the time to take positive action in improving your current financial circumstances and removing the growing burden of debt.

  • Pressure from creditors on you and your family
  • Fear of the post arriving
  • Forced to borrow from family and friends
  • Struggling to make ends meet
  • Difficulty in obtaining further credit
  • Debt worries keeping you awake at night
  • Regularly missing repayment dates
  • Growing late fee charges and penalties