Turn over a new debt leaf
Free, confidential help to write off what you can’t afford and become debt-free.
Free initial adviceNo obligationFully confidential
We can help with debts from all major UK lenders
Free, impartial debt advice is available from MoneyHelper, an organisation set up by government. Visit moneyhelper.org.uk.
Ways we can help
A gentler way out of debt
There’s rarely one right answer. We explain every option honestly — including the free ones — and help you choose.
Individual Voluntary Arrangement
A formal, legally-binding agreement to repay what you can afford — the rest written off.
Learn moreDebt Management Plan
One affordable monthly payment across your debts, arranged with your creditors.
Learn moreBreathing Space
60 days of legal protection that pauses interest and enforcement while you plan.
Learn moreDebt Relief Order
Low income and few assets? Write off qualifying debts after 12 months for a £90 fee.
Learn moreBankruptcy
A genuine fresh start when other options aren't viable — most debts cleared in 12 months.
Learn moreTrust Deed (Scotland)
The Scottish route to writing off unaffordable debt over a fixed term.
Learn moreHow it works
Three steps to debt-free
From first contact to a clear plan — simple, judgment-free and completely confidential.
Step 01
Check your eligibility
Answer a few simple questions in about two minutes. No credit check, completely confidential.
Step 02
Speak to an expert
A qualified advisor reviews your situation and explains all your options clearly.
Step 03
Get your plan
A tailored debt solution that fits your budget and protects you from creditors.
See what you could save
Your payments, dramatically lower
Move the sliders to see how a debt solution could cut your monthly payment. The right plan can also freeze interest and write off part of what’s owed.
- One single, affordable monthly payment
- Interest and charges frozen
- Creditors stop contacting you
- Debt free in 60 months
Estimated new payment £102 a month
You could save
£498
a month
Estimates only. Individual results depend on your circumstances and creditor approval — no outcome is guaranteed.
Check your eligibility
Do you qualify?
Most people with £6,000 or more in unsecured debt can be helped. Here’s a quick check.
You’re likely a fit if…
- You owe £6,000 or more in unsecured debt
- You're struggling to keep up with minimum payments
- You have two or more creditors
- You're a UK resident with a regular income
It may not be right if…
- Your debt is mostly secured (mortgage, car finance)
- You owe less than £6,000 in total
- You can comfortably meet all minimum payments
- Your debts are primarily student loans or court fines
Why Debt Leaf
Built to treat you like a person
Too much of the debt industry treats people like numbers. Here’s what we do differently.
Check your optionsNo upfront fees
Ever. Our cost is included in your monthly payment and agreed before you start.
A named advisor
One person who stays with you throughout your plan — never a call centre.
A fast response
From assessment to advisor call within 48 hours. Most people hear back the same day.
Clear, honest advice
We explain every option in plain English — including the free ones — so you can decide with confidence.
Your own dashboard
Track your plan, payments and progress anytime, from anywhere.
Private & secure
Your information is encrypted and never shared. GDPR compliant and ICO registered.
Questions