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The Debt Advice Service

Debt Advice

Are you struggling with debt?

DON’T STRUGGLE ALONE, SEE WHAT SOLUTIONS MAY BE AVAILABLE

About the Debt Advice Service

Take the first step to becoming debt free

See if there is a way out of debt and get your life back on track. If you’re currently struggling with debt, there may be options available.

The Debt Advice Service is here to help you find out what your options are and to talk you through them in plain English.

Here’s the thing. When you’ve got debt worries, there are two very common things that might be holding you back from getting on top of your situation.

  • Being bogged down by debt worries can stop you from taking a step back and looking at your situation through clear eyes.
  • Feeling like you’re on a downward spiral, because you don’t know what your options are; then, not understanding what they mean in real terms once you’ve found out about them.

We can help with

All Loans
Credit Cards
Store Cards & Catalogues
Overdrafts

If enough of your lenders agree, an IVA can freeze your interest and reduce your monthly repayments.

Also...

Payday Lenders
Old Phone Contracts
Disconnected Utility Bills
Doorstep Lenders

Even if an IVA isn't the best solution, our Advisors can explain all your other options.

When you take the first step and get in touch with the Debt Advice Service, you’ll get:

  • Your own dedicated point of contact
  • Support from an expert team with 100+ years of combined experience
  • Communication via multiple popular channels
  • Clear assistance every step of the way
  • Non-judgemental, private and confidential approach

We’re proud to provide a truly excellent service — we have a 5* rating on Trustpilot with over 500 reviews.

The Debt Advice Service do not provide debt counselling or offer recommendations.  We only provide you with information on all relevant debt solutions that may be available for you to make an informed choice based on your circumstances.  If you wish to pursue a particular debt solution, we’ll put you in contact with a trusted partner to progress your application further.

Chat with us now to find out how we can help.

TESTIMONIAL

Lucy R. Trustpilot Review (14.11.20)

“Always there at the end of the phone if I have any concerns, they’ve really put my mind at ease. Can’t rate them enough. Finally on the road to being debt free. Thank you guys!”

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Get Started

If you’re worried about...

  • Overdrafts
  • Credit cards
  • Payday lenders
  • Doorstep lenders
  • Old phone or utilities contracts
  • Store cards
  • Catalogues
  • Loans of any kind

The Debt Advice Service may be able to help.

Together we’ll take the pressure off and aim to get you on track to becoming debt-free.

TESTIMONIAL

George - Trustpilot Review (18.06.20)

“I feel so much better about my debts and life has now started to get put back into perspective, so thank you very much for everything you have done!”

Get in touch

We understand that making that first call can be daunting

That’s why we’ve got a few different ways to get in touch:

Chat now via Whatsapp

Email us

Text HELP to 84915 or call us on freephone 0800 254 5112 to start your journey to becoming debt-free.

Follow Us

TESTIMONIAL

Judi - Trustpilot Review (15.01.21)

“The entire experience was carried out online and via telephone calls….it was as clear as day.  I wish I was bold enough years ago. I can’t recommend you enough.”

HOW WE'VE HELPED OTHERS LIKE YOU

Listen to One Client’s Story Here

Josh is a genuine client who responded to a Debt Advice Service Facebook ad. It’s compelling listening.

He freely admits he wasn’t keen – or hopeful – about taking to us initially. He only got in touch because he was at the end of his tether, missing repayments, taking out new credit cards and payday loans to service existing debts, and having debt collectors knocking on his door.

We helped Josh reduce his overall debt level from £11, 000 to £6,000, managed in one affordable payment of £90 per month.

Does Josh’s story resonate with you?

If so, see if you qualify for help by clicking Here

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TESTIMONIAL

Ty - Trustpilot Review (17.01.21)

“An absolutely excellent service. The representatives on the phone were more than polite and friendly, they made me feel so comfortable making a decision.”

SERVICES

Finding the right debt solution for you...

Spiralling debt can be soul destroying and have a negative impact on all other aspects of your life.

Now there’s a different, better way for you to find out about solutions that may be open to you.

And it’s very different from the common methods you’re likely familiar with. Talking to the Debt Advice Service isn’t like going to your bank, or trying to take out another loan or another new credit card.

As you’ll see, our services are quick, easy and confidential to access.

Best part of all, we don’t require any outlay or commitment.

You can decide for yourself, at your own pace, whether to act or not on any of the potential solutions we tell you about. But, talking about your debt problems and realising there are ways out can be a giant first move in the right direction.

Here’s an idea of some of the potential solutions that might be right for you, depending on your own individual circumstances –

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Bankruptcy

A legal process that’s usually instigated by a debtor (the person owing monies) who is unable to repay their creditors. It’s imposed by a court and can relieve some or all debts.

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Debt Management Plan

An informal arrangement with creditors that agrees acceptable terms of repayment of outstanding monies a debtor owes, usually in relation to a level of consumer debt that’s become unmanageable.

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Individual Voluntary Agreement

(IVA) - A type of insolvency that legally obligates a debtor to maintain the terms agreed with creditors of repayment of monies owed.

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Protected Trust Deed

Similar to an IVA but for Scottish residents.

Our team is extremely experienced in handling situations exactly like yours, positively, proactively and impartially.

You might want to take a closer look at some of the debt solutions we’ve mentioned before getting in touch.

But, don’t worry if they don’t make sense yet. We understand jargon can make you feel worse. It’s our job to take the time to understand your debt, then put your options in front of you in user friendly and common-sense way –

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An IVA

Potentially write off the debts you can't afford to pay.

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Debt Management

An informal arrangement to clear your debts.

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Scottish Trust Deed

Potentially write off the debts you can't afford to pay.

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Bankruptcy/DRO

A Court Order based debt solution.

TESTIMONIAL

Amanda (20.01.21)

“I can’t recommend enough, they are so understanding, non-judgmental and helpful. Finally had a good night’s sleep and can see a light at the end of the tunnel.”

Client Testimonial

Our Client's Feedback

TESTIMONIAL

Loretta (01.03.21)

“Very professional and helpful. Lifted a weight from my shoulders. Thank you.”

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    To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money. The Debt Advice Service is not associated with Money Advice Service.