Write off your unaffordable debts

Find out what debt solutions are available to you and get back in control.

May not be suitable in all circumstances. Fees may apply. Your credit rating may be affected.

Our process

We provide information on a wide range of solutions to help you get out of debt. Our three step process makes choosing the right option as simple as possible.

Answer some simple questions

Complete our free debt assessment in just two minutes.

Speak to a debt expert

Our experienced team will explain all of your available options. You can find out more about our debt solutions here.

Choose your plan

Choose the best solution for you, based on your individual circumstances.

Types of debt we help with

Credit Card

Personal Loans

Overdrafts

Store Cards

Lines of Credit

Business Debt

Here’s an example of how we can help

See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

Let's say you owe..

Bank Loans	£4,366.00
Gas Bills	£4,166.00
Pay Day Loan	£1,727.28
Overdraft	£1,234.68
Debt Collection Agency	£380.16
Short Term Loan	£243.88
Council Debt	£1,009.24
Credit Card	£8,433.00

Total amount owed: £21,560.24

After an IVA

71%

reduced payments

IVA Payments

£134

per month

Monthly payments are based on individual financial circumstances.

Example case is based on genuine average consumer data from January to September 2023. Monthly payments and write off percentages are based on individual circumstances.

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

The Debt Advice Service is a trading style of Pacific Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FRN 688034 and is registered in England & Wales, Registered Office: Ram Mill, Gordon Street, Chadderton, Oldham, England, OL9 9RH. Company number 09404359. ICO registration number ZA207735.
All information and advice provided by Pacific Financial Solutions Ltd is provided free of charge. However, depending on your chosen debt solution we may pass your details and supporting information to one of our partners / a selected 3rd party to provide you with a service and we may receive remuneration in respect of the work we have done.
For completeness, if you decide to pursue an Individual Voluntary Arrangement (IVA) one or more of our in-house Insolvency Practitioners (IPs) may act Jointly as Nominee with an IP of another partnered firm and we will receive remuneration for providing that service.
Our in house IPs are Jason Bowen who is authorised to Act in the UK by the Institute of Chartered Accountants of Scotland (ICAS). Licence no. 22150 and Laura Stewart who is authorised to Act as in the UK by the Insolvency Practitioners Association (IPA). Licence no. 23590.
Insolvency Practitioners are bound by The Insolvency Code of Ethics in respect of all work relating to Insolvency Appointments.

*Texts to our short-code SMS number will be charged at your standard network charge. You will not be charged for any replies. By replying “HELP” you agree to receive phone calls, SMS and Email to discuss our services in more detail.

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