Find what all we have for you here

Every day we assist people across the country with their debts. Debts sometimes can be unavoidable. We are here to help you with the best possible options to let you live the life you had again.

We assess your profile and suggest programs basis your requirements. And if you’re willing to take one, our partners can help you set up the same with your creditors. The advice we offer on our website or through any other source is free. However, to buy a plan or to get into an arrangement you will have to a certain fee, this will be made clear by your advisor. 

Please find the programs we can help you with below:

Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) is a formal and legally binding agreement between you and your creditors. This freezes all interests and charges on your debts and allows you to repay them over a set period of time i.e. 5 years. Your remaining debts are legally written off. You can write off up to 85% of your unsecured debts with IVA but this varies from person to person.

Debt Management Plan

A debt management plan is an informal agreement between a debtor and a creditor that addresses your outstanding debt. The procedure can secure a reduced overall interest rate, longer repayment terms. However, the time period will vary depending on the debt amount and upon successful completion, your debts are repaid in full.

Protected Trust Deed

Bankruptcy is not the only solution for people with unavoidable debt problems. A ‘trust deed’ is a voluntary arrangement with your creditors to repay partial debt. If a creditor agrees to the terms of the trust deed, the debt you owe them freezes. It can help replace all your unsecured debt payments into an affordable single monthly payment paid over 4 years and is available for people in Scotland only.

Debt Consolidation

Debt consolidation means taking out a new loan to repay a number of liabilities and consumer debts, generally unsecured ones. With Debt Consolidation, you combine more than one debt into a new loan with a suitable term structure such as lower interest rate structure, tenure, etc. And the amount received from the new loan is used to pay off other debts.


You can write off up to 100% of your overall debt if you choose to go for bankruptcy. It is a formal method of dealing with debts if other options have failed or you do not qualify for them. But It’s always advisable that you understand all the considerations and alternatives first. We take the time to understand every aspect of your situation, then provide the right tailored solution.

Other Options

Worried about debt? Give us a call or fill out this form to let us help you manage it better. Take advantage of a Government-backed scheme and you may reduce your debt by up to 85%. And stop interest and all demands from your creditors.

Contact us to know more!

Our expertise

Customer Experience

Our team has highly experienced advsiors to ensure we deliver the best customer service experience. They are dedicated to assist you at every step to help you regain control of your finances.

HAssle Free ArrangEments

Don't have documents handy? Not sure of what you exactly owe? Don't worry, we have tools and staff that can arrange everything for you. You sit back, relax and we do the rest.

Tailor Made Plans

We provide a wide range of debt advice and hand pick solutions which are best for you. Call us today to know more