Contact us

When are we open?

Monday – Friday
Request a call back arrow
Enquiring about something?

    Try our solution finder for support & guidance

    See if you qualify arrow
    What people say about us

    Did you know? We’ve recently been awarded Feefo Gold Trusted Service Award due to the number of 5 star reviews we receive from people we’ve helped get back on track.

    Debt Solution Finder arrow
    You’re not alone

    We’ve already helped thousands of people within the UK

    Each customers circumstances are different, and we’re here to discuss yours.
    Let us give you the life which you deserve.
    Is an IVA for me?

    We’ll offer guidance on all solutions, enabling you to make your own informed decision.

    Tell me more arrow
    Cost of living crisis..

    If you’re worried about the current rise in living costs, get in touch and let’s discuss it together.

    arrow 0333 305 0593
    Money Help

    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.

    Frequently Asked Questions

    Your initial consultation call with us is free, no obligation and confidential. However, if you choose to proceed with the debt solution we recommend, there may be fees involved. In the case of an IVA these fees would come out of your agreed, affordable monthly contribution (not on top of) and are to cover the costs of the administration of the IVA. IVA fees have been outlined below in an example (illustrative purposes only), where the client has £18,000 worth of debt and is making monthly payments of £150 in an IVA (£9,000 in total over 60 months)*.
    • The Nominee’s fee – £1,000
    • The Supervisor’s fee** – £1,200
    • The Supervisor’s costs – £1,200
    • Total repaid to unsecured creditors – £5,600
    • Total written off by unsecured creditors – £12,400

    An IVA is a form of insolvency set up and managed by an Insolvency Practitioner (IP), which enables you to write off large portions of unsecured debt with government legislation, and is a less intrusive bankruptcy alternative. Once entered into an IVA, creditors can take no further action against you and won’t be able to directly contact you. An IVA will affect your credit rating for six years and your information will also be placed on the public Register of Insolvencies for the duration of the plan, but will allow you to clear your debts. In an IVA, your current financial situation taken into consideration and a single monthly payment is agreed – this payment is then divided among the people you owe money to. During the course of your plan all interest and fees associated with your debts are frozen. At the end of the IVA the remaining debts are written off and you can begin your debt-free future. An IVA is open to residents of England, Wales and Northern Ireland. Scottish residents can find an IVA alternative in the form of a Trust Deed. For more on an IVA, click here.

    Once you have successfully entered into an IVA, then creditor contact chasing for payment will stop resulting in a lot less stress! You may still receive statements (by law statements must be sent) but if you were to receive any other contact then we will sort it out for you.

    With an IVA you will not be required to pay more than you can comfortably afford no matter what this amount may be and no matter how much income you have. In our call, we will complete a thorough review of your finances and complete an income and expenditure review using nationally recommended guidelines accepted by your creditors. We understand that a decent standard of living is vital and that pushy lenders can make this seem impossible, but our aim is to get you debt free in a reasonable time frame at a rate you can afford.

    • There are no upfront fees when you enter an IVA.
    • All creditors are bound by your IVA once approved.
    • Creditors can’t take legal action against you in an IVA.
    • Interest and charges on your debts are frozen by law.
    • All IVA payments are based on what you can afford.
    • Your IP will distribute payment to creditors on your behalf.
    • You may get a payment break if your situation changes.
    • You won’t have to sell your home in an IVA.
    • You can write off up to 81% of your unsecured debt.
    • Spending restrictions are put in place during an IVA.
    • Secured debts can’t be included in the arrangement.
    • It’s possible creditors will reject your IVA proposal.
    • Homeowners may need to remortgage in the final year.
    • Any windfall over £500 will be put towards your IVA.
    • Your arrangement could fail if you fail to make payments.
    • If your IVA fails, creditors can make you bankrupt.
    • All IVAs are recorded on the public Insolvency Register.
    • An IVA will remain on your credit file for six years.

    Choosing Debt People to guide you on your journey to becoming debt free couldn’t be simpler. Our debt solution experts have already helped thousands of people just like you and are just a phone call away.

    With and IVA you will not be asked to sell your assets. During our initial call we will complete a fact find and will discuss with you any requirements regarding your assets allowing you to make an informed decision before proceeding.

    Well, there isn’t a catch. Getting out of debt doesn’t have to be stressful or take the rest of your life. With an IVA you will have a clear time frame as to when you will be debt free with affordable monthly payments. You will be provided with all the necessary information to enable you to make an informed decision before proceeding with the application and if you decide not to proceed then there is no charge. For more information on an IVA click here.