We can help you take the first steps to becoming debt-free.


Your life doesn’t feel like your own when you’re constantly worrying about debt. Whether you’re struggling to make ends meet or simply missing out on the small necessities in life, know you’re not alone. Millions of people in the UK can’t pay off their debts.


That’s why we offer free advice for relieving your money struggles and can point you in the right direction of a suitable debt solution.


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No-obligation, free-of-charge, debt advice

Our advisors take the time to understand your personal situation. Nobody’s finances will be the same, and everyone priorities differently, so it’s important for us to understand exactly where you’re coming from. It’s not just about figures on a page, but how every aspect of your life is being impacted by your situation.


We offer a non-judgmental service where we can work through your individual circumstances together and understand your situation better. From here, we look at where to go next.


In some cases, it’ll be about changing your habits. Tightening the belt here, stricter money management there, and you might find it takes away a lot of the pressure. By changing some of your habits, not only can you take the pressure off right now, but you can work to ensure you have some stability in the future. We can help identify little changes that could make a big difference.


In other instances, we can advise you on the different debt solutions on offer; informing you of all your options and helping you decide which will work best for you and your unique situation. With something as important as your finances, you should never feel alone with these big decisions.


The Debt Advice Service will not charge a you a fee for providing you with advice or recommendation of an appropriate debt solution. If you proceed with one of our recommendations or implement a debt solution with one of our chosen third parties where fees are applicable, full details will be provided before setting up, we may receive a commission from them for this referral.

What debts can we help with?

Loans (personal, bank, payday, or other)

Credit cards

Store cards and catalogues

Doorstep lenders


Any unsecured credit agreements

Call us now on 01706 404143



What solutions can we advise on?

IVA - An IVA is an agreement between you and your creditors. You pay one monthly fee for a set period of time. After this, any remaining debt is written off. Read more here...


Protected Trust Deed - A Protected Trust Deed is for Scottish residents looking to lower their monthly payments and when the arranged agreement comes to an end any remaining debt will be written off. Read more here...


Debt Management Plans - These are informal arrangements. They offer the flexibility of helping to choose your own repayment time-line and may be adjusted if circumstances change. Read more here...


Debt Arrangement Schemes - These are for Scottish residents and involve a set plan for repaying debts with a lower, monthly payment. It can be adjusted as you go and stops any contact with creditors. Read more here...


Bankruptcy - Bankruptcy is a court order you can apply for if you’re struggling to repay debts. Your assets are sold and distributed to creditors and after twelve months you’re discharged, regardless of what’s still owed.

Read more here...


Debt Relief Orders - This is an alternative to bankruptcy for those with less than £1,000 worth of assets and less than £20,000 in debts. Read more here...


Credit Cards

Pay Day Loans

Store Cards & Catologues

Door Step Lenders


What makes us different?

We are authorised and regulated by the FCA.


• There are no obligations - if you just want to share your struggles, we’re here to listen and give advice.


• We offer a personal touch. We genuinely care about getting you back on the right track.


• We charge no fees for our advice. Any fees for recommended solutions will be discussed in advance. The advice is here and waiting, so why not take it?


• We’re impartial and independent. We aren’t owned by big companies. We make genuine recommendations tailored to your individual needs and circumstances


No one should feel like they need to deal with financial hardship alone. For help and advice on how to potentially improve your financial circumstances, fill in our short questionnaire below. One of our friendly advisors will be in touch to see if we can help guide you towards a better financial future.


Find answers to recurring questions

Get in touch with us

No one should have to deal with financial troubles alone.


Whether you’re looking to resolve your financial struggle once and for all or just want to ease the burden by talking things through, we can offer you advice and guidance on how best to proceed. Get in touch today to take the first step towards a better financial future.


The Debt Advice Service

Mills Hill Works

Corbrook Road

Chadderton OL9 9SD


Email: hello@thedebtadviceservice.co.uk

Phone: 01706 404143

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The Debt Advice Service is a trading name of BHDB Associates Ltd which is registered in England & Wales, Registered Office: Prince of Wales House 18/19 Salmon Fields Business Village, Royton, Oldham, England, OL2 6HT. Company number 10534486. ICO registration number ZA542533

The Debt Advice Service is an Appointed Representative (AR) of Pacific Financial Solutions Ltd. company number 09404359. Authorised and regulated by the Financial Conduct Authority, authorisation no. 688034. ICO number ZA207735


The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website: www.financialombudsman.ok.uk

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