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Improve your finances without sacrificing everything you love

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How much debt do you have?
£10,000 or more
£6,000 - £10,000
£1,000 - £6,000
£0 - £1,000

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.

There is always a way out of debt

The Debt Advice Service can guide you through all your options.

Stop constant calls

End stressful calls from creditors

Take back control

End increasing interest and charges.

Protect your privacy

No debt collectors knocking on your door.

How it works

An IVA may reduce your monthly payments

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Average IVA cases at The Debt Advice Service between 1st January to 27th September, 2023. Monthly payments are based on individual circumstances.

Here's an example

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Ways out of debt

Your circumstances are you unique. The Debt Advice Service can help you choose what’s right for you.

Debt Management Plan

Lower your monthly payments with your creditors to fit what you can actually afford.

Individual Voluntary Arrangement

Lower your monthly payments and potentially write off a portion of your debts.

Debt Relief Order

Debt relief orders are a simplified, quicker and cheaper alternative to bankruptcy as an insolvency

Debt Consolidation

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others.

Don't just take it from me...

More than 1,500 people have left The Debt Advice Service five-star reviews.

""Would highly recommend speaking to them about your debt and be amazed at what they can do for you""


""I have been embarrassed to talk about my debts but the person I spoke to put me at ease straight away. He was very understanding and made sure I knew my options.""


""Mentally I am feeling so much better from sorting out by debt with these guys.""


What's your story?

Take a look at the stories below of how The Debt Advice Service have helped others out of debt.

From Stress to Success: Claire's Debt Journey

Claire faced a substantial debt of £14,264.14. She sought help from The Debt Advice Service, who helped her implement an Individual Voluntary Arrangement (IVA) to manage her debts. The IVA lowered Claire’s monthly payments, bringing the relief she needed.

Claire’s debt success story

Navigating Debt with Expert Guidance: Steve's Story

Steve owed over £16,000 but found relief from his financial burden through guidance from The Debt Advice Service. Steve now knows the impactful role of expert advice in managing debt and wished he had sought help sooner.

Steve’s debt success story

Achieving Financial Stability: Kate's Story

Kate faced a daunting £29,900 debt but found much-needed guidance from The Debt Advice Service. Eventually she was able to reduce her monthly debt payments to £291. Feeling relieved and grateful, Kate encourages others to seek professional help for financial stability.

Kate’s debt success story

Could you write off some debt?

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Your questions, answered

I'm struggling to cover my energy bills. What steps should I take?

To prevent utility disconnection, creating a repayment plan or exploring other debt management options could be beneficial. Check out this guide on lowering your debt payments.

Is it possible to write off my debt?

In certain circumstances, yes. If repaying your debt seems unfeasible, there may be opportunities to eliminate some or all of it. However, seeking debt advice before deciding is crucial. Discover more about debt write-off options here.

Would debt consolidation be suitable for my situation?

While debt consolidation may seem appealing, especially if you have a poor credit history, it often involves high-interest rates. Thus, it might not be the most suitable choice. Learn more about some other ways to lower your debt here. 

I urgently need money for food and bills. What are my options?

Despite feeling hopeless, various resources can provide assistance, including trust funds, credit unions, councils, energy companies, government programs, and charities. Check out my article on what to do if you’re worried about paying essential bills.

How can I create a budget?

Establishing a budget is fundamental to financial management, helping to track expenses and ensure all bills are covered. This article on budgeting provides some insights to get started.

What steps should I take if bailiffs are pursuing me for outstanding debts?

Understanding your rights when dealing with bailiffs is essential. It’s crucial to understand what they can and can’t do. Learn more about debt collection procedures here.

What if I'm unable to pay my rent or mortgage?

Inability to pay rent may lead to eviction, while failure to meet mortgage payments could result in home repossession. However, demonstrating a commitment to payment through a well-documented budget could mitigate these risks. Presenting your budget to your lender or landlord and adhering to the agreed-upon payment plan is key.