What is your total debt amount?

Slide across to select your approximate debt amount.

How many debts do you owe?

By knowing how many creditors you have, we can ensure we are offering you an appropriate debt solution.

What is your employment status?

This helps us to determine where your income may be coming from so we can find the debt solution that best suits your needs.

What is your residential status?

Knowing your living arrangements ensures that we offer you solutions that do not put your home at risk.

Where do you live?

Different countries in the UK can have different legislation regarding debt. By knowing where you live we can ensure we are offering a solution that is appropriate to you.

Your details:

Please make sure that your details are accurate in order to receive your results.

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Get information on the best ways to pay off your debts quickly and effectively.

At Advice Debt, we understand that debt can be a difficult and confusing issue to deal with. That’s why our team of impartial debt advisors are here to provide you with honest, unbiased advice that is tailored to your specific needs.

We have years of experience helping people just like you get back on track financially, and we will work tirelessly to help you achieve your goals.

Contact us today for a free consultation, and let us show you how we can help!

Committed to providing debt information & solutions

Start with our 3 quick and easy steps

Step 1

Complete our Online Form

Private & Confidential

Our form is user-friendly and is easy to complete.

The first step always feels like the hardest, but you’ve come to the right place.

Step 2

Talk to the Experts

Help without judgement

Tell us about your situation, and we’ll tell you exactly what help you’re entitled to.

We’ll inform you about what solutions you qualify for, and answer any questions you may have along the way.

Step 3

Take Action today

No obligation service

We know that debt is daunting, but after speaking with us, we can put together a personal action plan to put your mind at ease.

We’ll help set things up and support you in dealing with your debts, for however long is needed.


All IVA’s look different. This example is for illustration purposes only.

Before IVA

This is an example of the debt you may owe

Total Monthly Payment £685
Bank Loans £4,000
Short Term Loans £2,500
Catalogues £2,150
Phone Bills £500
Credit Cards £4,000
Store Cards £1,500
Overdraft £1,170

After IVA

This is an example of the savings you could make

Total Monthly Payment £125
Payments reduced by 82%

Fully secure, private and confidential.

"How do I qualify?"

An Individual Voluntary Arrangement is a legally binding solution within England, Wales and Northern Ireland which helps protect you from your creditors and allows you to pay back what you can afford and not what your creditors demand.

IVA Calculator - how much debt can you write off?

Struggling with too much debt? An Individual Voluntary Arrangement (IVA) could be the solution! This type of arrangement enables you to clear a portion of your unsecured debts and get back on track.

The IVA calculator below provides an estimate based off Advice Debt customer averages – simply enter some details and find out how much debt can be written off right away.

Reclaim control over your financial stability today!

This example is for guidance purposes only as IVA payments are based on affordability. 61% debt write-off is realistic based on Advice Debt clients in 2022.

Advice Debt Frequently Asked Questions

Commonly asked questions from our clients, answered.

Will you contact my employer?
Absolutely not, we will never contact your employer to discuss your personal affairs or your family or friends for that matter.
Will my property be at risk?
Our priority is making sure your property is not at risk in anyway shape of form. Some solutions could put your property in jeopardy. In most cases clients are able to protect their property.
Will I lose my car on finance with your help?
We understand you need the car to get to work or pick the children up from school, keeping the car is a priority for us. In most cases clients are still able to keep the car if you maintain the contractual payments on the agreement.
What if I don’t know who I owe money to?
Don’t worry if you don’t know, with your consent, we can carry out a soft credit search for you that will provide us all off your creditor information even with your reference/account numbers to. A soft search is only visible to you and not the companies looking at your credit file.
What information do I need for debt help?
We will ask you for a basic income and expenditure and a list of your creditors so we can understand your current situation. Alternately you can complete the Debt Calculator on the home page where you can complete this information yourself.
Will this affect my credit score?
Yes, any debt solution may have a negative impact on your credit score.

We can help you, today.

We all know how difficult it can be to manage our finances when we’re juggling debt and an ever-changing financial situation. That’s why we are here for you today offering expert advice that will put your mind at ease! We’ll work with what matters most, getting out from under the load of persistent debts so they don’t continue weighing down on every aspect of life.

Advice Debt Top Tips

Do I really need to buy this?
Avoiding debt can be a challenge in our modern world, where it's easy to get overwhelmed by all the temptations of spending. To stay on track with your finances, take some extra time before big purchases and ask yourself if you truly need that item.
Make budgeting a good habit
Mapping out and keeping track of your spending is essential for financial stability and success. Developing a budget can help you save money, recognize potential overspending habits before they start, as well as protect against unexpected expenses. Mastering the practice of creating an effective budget plan will go long way in helping to improve your overall credit rating.
Knowing your credit score
An excellent credit score is essential for any individual looking to access financial assistance. Without this metric, lenders may deny borrowers mortgages, car loans and other financing options; even something as simple as a phone contract could come at an immense price with the wrong rating. Therefore, it's important that you understand how your credit score can impact your life in various ways - from getting approved for major purchases to making sure you are paying reasonable costs on everyday transactions.
Borrow or save?
Deciding whether to save or borrow can be a difficult choice that carries lasting consequences. Saving may mean having less cash on hand in the present, but potentially avoids financial trouble down the road. Conversely, borrowing provides quick access to funds now; however if payments are not made in full and on time it could create prolonged problems with debt repayment. Ultimately, saving is often considered the safer option for making major purchases.
Have I checked the interest rates?
Before taking the plunge and borrowing money, take a look at that all-important APR. Keep in mind interest rates can vary dramatically - so make sure you research what sort of additional cost is involved with taking out your loan to ensure it fits within your budget!
Switching your credit card
Take advantage of low-interest credit cards to save yourself some money! Doing the research, you may even find a card with 0% APR - however this won't last forever. Make sure that if you switch providers and get one at zero percent interest, make it your priority to pay off debt during that period or else once it ends, interest rates will be added in full force.
Saving for a rainy day
Don't let debt be a factor in your future plans. A smart money move is to start putting away just a little bit each week - every penny counts! For example, squirreling £5 per week adds up over time; by the end of one year you'll have saved an impressive total of £260 (and if placed into savings that could grow even more!).
Don’t bury your head in the sand
Don't let your dilemma fester. If you find yourself in trouble, seek out professional advice to get back on the road to financial freedom. Advice debt services are well-equipped with experts who specialise in helping people resolve issues quickly and discreetly – so don’t hesitate to reach out for guidance!

You're not alone

UK Debt Increases with Cost of Living

You are not alone in your situation and recent statistics show that the UK debt level has increased by £63.7 billion between 2020 and 2021 – but there is help out there for anybody struggling.

We've already helped 1,000 people this year

Our team of experts help thousands of families every year across the UK get their finances back on track.

Is an IVA right for you?

We can discuss your eligibility for an IVA

Prefer to speak later?

We will offer guidance, support and a solution at a time that suits you.

*To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.

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