Skip to main content

Get Debt Help




Get Debt Help

Check Eligibility Now

Debt Advice

Understand your debt options.

Our qualified advisers take time to understand your circumstances and explain every option available to you — clearly, honestly, and without pressure.

  • All debt solutions explained, including statutory options
  • Qualified advisers, regulated by the FCA
  • Your circumstances assessed before any recommendation
  • No obligation — information only until you’re ready

Debt solutions may affect your credit rating and are not suitable in all circumstances. Your individual circumstances will be assessed before any recommendation is made. Help With Debt Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales.

Check your options

Answer a few short questions and an adviser will be in touch.

What happens when you get in touch

Tell us about your situation

Complete the short form above. We will ask a few questions about your debts, income, and circumstances.

Speak with an adviser

One of our qualified advisers will call you at a time that suits. The conversation is confidential and there is no obligation.

Understand your options

Your adviser will clearly explain every solution available to you — including those through debt charities — and the implications of each.

You decide

No pressure. You take the information away and decide what is right for you, in your own time.

Debt solutions we can advise on

Every situation is different. Here is a brief overview of the options your adviser may discuss with you.

📋

Individual Voluntary Arrangement (IVA)

  • Legally binding — stops creditor action
  • Remaining debt written off on completion
  • One fixed, affordable monthly payment
  • Typically lasts 5 years (6 for homeowners)
  • Recorded on credit file for 6 years
  • Requires 75% creditor approval by value
📅

Debt Management Plan (DMP)

  • No formal insolvency — less severe on credit
  • Flexible if your circumstances change
  • Can be arranged quickly
  • Full debt remains payable — nothing written off
  • Not legally binding on creditors
  • Interest may not be frozen
⚖️

Debt Relief Order (DRO)

  • Debts written off after 12 months
  • Stops creditor contact immediately
  • No monthly repayments during moratorium
  • Strict eligibility criteria apply
  • Not available to homeowners
  • Recorded on credit file for 6 years
🏦

Bankruptcy

  • Debts discharged after 12 months
  • Immediate legal protection from creditors
  • Provides a definitive clean break
  • Can result in loss of assets including home
  • Restrictions on financial activity during discharge
  • Can affect certain types of employment
🔁

Debt Consolidation

  • Combines multiple debts into one payment
  • May lower your monthly outgoings
  • Can reduce interest if rate is lower
  • Does not reduce the total amount owed
  • May extend the overall repayment period
  • Requires sufficient credit to qualify
🛡️

Breathing Space

  • 60 days of legal protection from creditors
  • Interest and charges frozen during the period
  • Time to seek proper advice without pressure
  • Temporary measure — not a debt solution itself
  • Requires active engagement with a debt adviser
  • Cannot be used repeatedly

Debt solutions may affect your credit rating and are not suitable in all circumstances. Your individual circumstances will be assessed before any recommendation is made. To find out more about managing your money and getting impartial debt advice, visit moneyhelper.org.uk.

Help with Debt Ltd (FCA FRN: 1058208) is an Appointed Representative of Dee Valley Finance Limited (FRN: 811106), authorised and regulated by the Financial Conduct Authority.