Clear answers for financial clarity
Find direct, transparent answers regarding credit scores, legal debt solutions, and the recovery process. Checking your options is completely confidential and never impacts your credit rating.
Your questions answered honestly
We believe in complete transparency. Below are the facts about UK debt solutions, credit implications, and how our referral service works.
Debt Solutions
Understanding the operational differences between formal legal agreements and informal arrangements in the UK.
Credit & Security
Learn how evaluating your options impacts your credit file, and how we protect your personal information throughout the process.
What is an Individual Voluntary Arrangement (IVA)?
What is a Debt Management Plan (DMP)?
Does checking eligibility affect my credit score?
How long does the assessment process take?
An IVA is a formal, legally binding agreement between you and your creditors. It allows you to repay a portion of your unsecured debt over five to six years, with remaining balances written off upon completion.
A DMP is an informal arrangement allowing you to repay unsecured debts at an affordable monthly rate. Because it is informal, it is not legally binding, though many creditors agree to freeze interest.
No. Our initial online assessment uses a soft search that is completely invisible to other lenders. Your credit score will not be impacted by finding out which debt solutions you qualify for.
The online eligibility checker takes less than two minutes. Once submitted, a qualified UK-based advisor will typically contact you within one business day to discuss your options confidentially.
Regulated and secure advice pathways
100%
Confidential support
Free
Initial assessment
UK
Based advisors
Still have questions?
Speak with our UK-based advisors for a confidential assessment. We are here to help you find a clear path forward without judgment.