Debt solution experts

We have been helping people to clear their debt problems with more than 30 years combined experience.

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Debt help & advice

Don't struggle with debts you can't afford. There are several debt solutions available to help you clear your debts and take the pressure of your shoulder.

It's Debt Help have been helping people overcome their debt problems with over 30 years combined experience. We offer a range of debt solutions tailored to your individual circumstances. Our friendly advisors are specially trained to look at your debt in a non-judgemental way and are dedicated to working with you on a solution to help you become totally debt-free.

We have outlined some of the most effective debt management solutions below.

Stop creditors and bailiffs taking further action

Reduce your debt by up to 75%

One affordable monthly payment

Take back control of your finances

Clear your debts today!

Fill out the form below and we'll get back in touch with you.
Or, call us now on 01612 589606 and get help now from one of our qualified debt help experts.

CALL NOW: 01612 589606

IVA Debt Management Plan Debt Relief Order Trust Deed Bankruptcy

IVA

An (IVA) Individual Voluntary Arrangement is an agreement between you and your creditors to pay all, or part of the debts you have with them. An IVA will typically last for 5 years, during which you will pay a percentage of your debt back with an affordable monthly payment, and up to 75% of the debt can be written off.

An alternative to bankruptcy
Guarantees interest and charges frozen
Protection from legal action
Full protection from creditors

Please be aware that these benefits are only possible if you comply with the terms of your IVA. If you fail to make payments into your IVA you risk bankruptcy. IVAs are listed on the insolvency register and your credit rating will be affected for six years.

Speak to one of our qualified advisers today to see if you qualify for an IVA. Call 01612589606 or complete and submit the debt help form.

Debt Management Plan

A debt management plan (DMP) is an informal agreement between you and your creditors to help pay off all your debts. You agree to repay the debt in full, but in reduced payments which are more affordable for you. Charges and interest may be frozen or reduced but it depends on your creditor.

A lower monthly payment based on affordability
Frozen interest and charges where possible
Support in dealing with creditors
Flexible plan so payments can change to meet your circumstances

If you are struggling with your repayments but can still afford to make a small contribution then a Debt Management Plan could be the right solution for you.

Speak to one of our qualified advisers today to see if you qualify for a Debt Management Plan.

Call 01612 589606 or complete and submit the debt help form.

Debt Relief Order

Trust Deed

A Trust Deed is an agreement with your lenders that could help you if find that you can no longer afford to repay everything you owe.

You agree to repay as much as you can towards your unsecured debts - normally for four years - and at the end of that time, any remaining unsecured debt is written off.

Lower monthly repayments
Protected against further action from lenders
Frozen interest and charges
No more creditor communication (this will be handled for you)

If you are struggling with your repayments are you live in Scotland then a Trust Deed could be the right solution for you.

Speak to one of our qualified advisers today to see if you qualify for a Trust Deed. Call 01612 589606 or complete and submit the debt help form.

Bankruptcy

Sometimes, there’s simply no way to repay what you owe in a reasonable time. If your debts are particularly high and/or your income is low, you may need to think about declaring yourself bankrupt.

Similar to an IVA (Individual Voluntary Arrangement), bankruptcy is a form of insolvency: it is a legal process that shares out your assets fairly among your creditors, protect you from further legal action and once successfully completed (usually after 1 year), write off your outstanding debt allowing you to make a new start.

Bankruptcy can provide you with a feeling that there is a light at the end of the tunnel – a date when you know you’ll have repaid your debts, and is a chance to make a new tart, without any further liability to your creditors

Speak to one of our qualified advisers today to see if you qualify for a Bankruptcy. Call 0203-092-0051 or complete and submit the debt help form.

Are you ready to be debt free?

Don't put it off any longer! Our qualified debt help experts are ready to take your call and help you become debt free today!

CALL NOW: 01612 589606

Creditors we can help with

We talk to a wide range of creditors every day, below is a small selection of those we can help you with. We can talk to your creditors on your behalf, call us today to get started.