There are debt solutions that can reduce payments, freeze interest, or even write off some of what you owe — depending on your circumstances.
They cover most types of unsecured debt, like credit cards, loans, overdrafts, utility bills, and council tax.
Support is available through formal and informal options — each with its own pros and cons.
The first step? A quick, confidential check to see what might be right for you.
✅ No upfront fees – It’s free to check if support is available.
✅ Confidential & no obligation – No pressure. Just a chance to explore your options.
✅ Trusted guidance – If you’re eligible, you’ll be referred to a reputable organisation for tailored support.
✅ Takes less than 60 seconds – Answer a few quick questions to start the process.
Over 100,000 people in the UK use debt solutions every year — a clear sign that no one needs to face financial pressure alone. These aren’t quick fixes — but they are structured, proven ways to start taking back control.
Combine credit cards, loans, and arrears into one affordable monthly payment.
Depending on your circumstances, some of your debt may be written off.
Over 100,000 people in the UK use formal debt solutions each year to take back control.