Call today on 0161 804 5319

Let’s find the right
debt solution for you

Trusted debt advice, support and solutions

How to find a debt solution to suit you

A quick look at the steps towards
your debt free future



An expert advisor will gather the information needed to assess your situation. They will help you decide what debt solution is right for you.



The specific debt solutions available to you will be explained in a way you will understand. That way you will be able to make an informed decision based on your circumstances.



Once the solution has been decided upon, our trusted provider will take care of the rest. They will negotiate with your lenders so you don’t have to.



You will then make monthly payments you can afford until you successfully complete your arrangement. Once completed, you will have repaid the debt included in your plan.

Please note entering into a debt solution may affect your credit rating for 72 months.

For more help and advice, visit the Money Advice Service, a free independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.

IVAs, DROs and Bankruptcy are only available in England, Wales and Northern Ireland. Alternatives are available in Scotland.

What benefits do you get with Debt Advisory Line?

How we put you
back in control

When you take out credit, it’s your lenders who decide how much you repay. With our debt solutions, you only pay what you can afford.

Trusted services

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At the end of the call, the customer said getting her debts sorted had changed her life and she would finally be able to sleep again.

Katrina McCafferty

My customer said they felt like they had their life back and a light was finally at the end of the tunnel. This is why I love doing what I do.

Helen Smith

Income & Outgoings

Make payments based on your income and outgoings, not what your lenders demand you to pay. That way you’ll always have enough to cover your bills.

Our promise

Our trusted providers will deal with setting everything up, so you can concentrate on the things that matter.

You’re in control

Get peace of mind that your payments are manageable and in one place.

Start to get debt free

Find a solution

A look at the debt solutions

What debt solution is
right for you?

A DMP helps you pay your debts back in full, at a rate that’s affordable to you.
  • Lower monthly repayments
  • Get help dealing with your lenders
  • Take control of your finances

Typical Debt Management Plan

Personal unsecured debt


Number of lenders


Previous monthly debt payments


New monthly debt payments


Figures based on an average of customers who were recommended a DMP by our debt solution provider. Subject to eligibility and creditor acceptance. Alternative solutions may be offered. Read about fees and key information here.

Please remember…

  • Repaying your debt over a longer period of time can increase the total amount to be repaid.
  • Your credit rating may be affected. Creditors are not obliged to accept less than contractual payments or freeze interest and charges.
  • Not maintaining contractual payments may result in creditors taking further enforcement action.
An IVA was introduced by the government for people struggling to pay back their debts.
  • Up to 80% debt write off
  • Legally stop lender contact
  • Freeze interest and charges

Typical Individual Voluntary Arrangement

Personal unsecured debt


Number of lenders


Previous monthly debt payments


New monthly debt payments


These figures are based on the averages across all IVAs arranged in 2017 by our debt solution provider. Customers are assessed individually based on their circumstances and payments to the IVA are based on what is realistic and affordable. Read about fees and key information here.

Please remember…

  • If you are a home owner you may be required to release equity in your property. Remortgaging may result in a higher interest rate. If you ar unable to remorgage you may have to make payments for a further 12 months.
  • If you do not keep up with your repayments you are at risk of bankruptcy
  • Details of your IVA will be added to a public register
  • Your credit rating may be affected and lenders may not approve the IVA
  • Your expenditure may be restricted on an IVA
If you fit the specific criteria, a DRO can clear your debts.
  • No monthly payments
  • Debt are usually written off after12 months
  • Stops lender contact

Do you qualify for a DRO?

Debt Relief Orders are an alternative to bankruptcy. If you fit the specific criteria to qualify for a DRO. They are a way to write off your debts. There is an initial payments of £90.00 to apply. Once accepted there are no more monthly payments to make to your lenders.
Some of the criteria
  • If you are a homeowner, you will not be eligible for a Debt Relief Order
  • Your disposable income must be under £50.00. One of our advisors can check this for you.
  • If you have any assets over £1,000 you may not be eligible.
  • Your debt level must be lower than £20,000.
One of our expert advisors will be able to tell you if you qualify or not.
Please remember…
  • Your credit rating may be affected.
  • Read about Fees here.
  • Details of your DRO will be added to a public register.
Bankruptcy is a debt solution that can clear a large amount of debt
  • Debt are usually written off after 12 months
  • Stop Lender Contact
  • A route towards a fresh start

About bankruptcy

It’s a big decision to take declaring yourself bankrupt. There are fees and consequences that could impact your job and home.
This option is only usually taken if there are no other options available. Assets you own, such as your house and car could be sold and used to repay the debt. So, you’ll want to seriously think about bankruptcy before going ahead with it.
If you are unsure whether bankruptcy is right for you, or if you want to explore any alternatives, request a call back from one of our expert advisors.

Please remember…
  • Your credit rating may be affected.
  • Not maintaining contractual payments may result in creditors taking further enforcement action.
  • Read about Fees here.

Debts we can help
you with

Credit cards

Personal loans

Store cards


Payday loans

Buy now pay later

How to get started

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Quick & Simple

By clicking on ‘DO YOU QUALIFY’ and completing some simple questions about your financial circumstances, you’ll be taking your first step towards a debt free future.

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Free, instant report

With the information you provide, we’ll instantly show you a free report that will explain how we can help you.

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The Solution

Discuss your unique circumstances with an accredited advisors. By taking your income and outgoings, we can help you find a debt solution that works for you.

Start to get debt free


Take control of your
finances today

Our trusted providers will review your financial situation, explain the available options and recommend a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly and if you decide to go ahead with a debt solution our trusted providers will specialise in the management of that debt solution. We’ll be paid for introducing you, depending on your debt solution fees may be payable if ongoing services are provided. Read about fees and key information here.

  • Friendly , expert money advisors
  • Private and confidential service
  • Understand all of your options