We’re here to help you resolve your debt

Our philosophy is quite simple really, and that is to help people find an affordable way to deal with debts so that they can focus on other priorities – family, life and fundamental happiness.

Debt Management Plan (DMP) Putting together plans to make your repayments more manageable Learn More
Individual Voluntary Arrangement (IVA) A formal and legally binding arrangement between you and your creditors Learn More
Scottish Debt Solutions Solutions available to residents of Scotland Learn More

Money Advice Expert can help set you free from debt.

All you need to know about debt solutions, together on one website, viewed from your computer, phone or tablet.

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


Our Reviews

"Genuinely excellent experience at a very tough time. Polite and professional, always in communication and very easy to get hold of. I couldn't have hoped for better service"

Christopher Smith

"Very helpful and understanding, patient and informative. I felt comfortable to ask as may questions as I needed even to phone up randomly and ask something. My advisor made this stressful time bearable and helped to put me back in control, something I haven’t felt in months"

Verified Customer

"I have felt very supported from the start. Communication has been excellent and everything has been explained to me in a way I can understand. I have not once felt judged on my situation. It has been easy to access and I have had on hand advice throughout. I only wish I'd seeked help from this company sooner! "

Robert Carte, Cornwall

" When I spoke to Mark it was pleasant and all my fears of embarrassment went, he was very helpful from the outset and throughout. Mark was very knowledgeable and answered every question I had for him. Overall i couldn't be happier with the service I received and am now looking forward to a brighter and stress free future. "

Verified Customer

Become Debt Free in 3 Simple Steps

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Do you qualify?

Use our SolutionMatcher to find the answer to your problems. Run through some simple questions to get a matched solution for your individual situation.

Contact us

You can then get in touch with us so we can offer impartial advice, tailored specifically to your circumstances. There are many ways to do this: phone us, send us a message or request a callback.

Get the ball rolling

Once our debt advice experts have armed you with knowledge, it’s up to you to decide which path you’ll take next. Our in-house insolvency professionals can take you to that next step towards a debt-free future.

Resolve your debt problems now

Give us a call Our lines are open from 9:00am - 8:00pm 0161 821 1393
Let us call you You choose a time that suits you and we'll ring Request a Call Back
Try SolutionMatcher Find a solution to your debt troubles Get Started

No matter where you are in the UK, we can help!

We are a closely-knit team of debt specialists and insolvency professionals. With over 70 years combined experience, we’ve worked with all types of circumstances.

Learn More About Us

Frequently Asked Questions

A Debt Management Plan is, quite simply, a carefully thought-out arrangement between you and your creditors. It aims to make the repayment process less stressful for both parties. Usually, an individual will opt for a Debt Management Plan if they need to make smaller payments or are able to make repayments but only after a certain period of time. We can assist you in arranging a suitable plan with your creditors, making the whole process a lot smoother.

A Trust Deed is a very effective debt solution, although it is currently only available in Scotland. If you live in England, Wales or Northern Ireland you may wish to read up on Individual Voluntary Arrangements which are a good alternative. Trust Deeds, however, require an individual to agree to monthly repayments over a set period of time. This time can be anything up to four years and once the four years is over, any remaining debts are written off.

A Minimal Asset Process (MAP) is a tailored and specialist Scottish debt solution. It is specifically designed for individuals who have a minimal amount of assets and no disposable income to use towards their debt repayments. A Minimal Asset Process takes on a similar form to claiming bankruptcy but it is much more straightforward and doesn’t require you to appear in court. Your creditors cannot chase you once your MAP is approved.

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