From your first call to debt free. Here's exactly how.
No surprises, no jargon, no pressure. We walk you through every step so you always know what comes next — and no compensation or write-off is guaranteed until your solution is agreed.
Your route to debt-free
Four stages, one clear path
From your first conversation to becoming debt free — here’s what to expect at every stage.
Day 1
Free assessment
Call or fill in our online form. A friendly adviser reviews your income, outgoings, and debts — completely free with no obligation.
Week 1
Personalised recommendation
Based on your situation, we explain the debt solutions you may be eligible for in plain English, so you can make an informed decision.
Month 1
Your plan begins
Make one affordable monthly payment. We handle everything with your creditors — from negotiations to correspondence — so you don't have to.
Month 60
Debt free
Remaining qualifying debt is legally written off. You get a fresh start, with the tools to stay debt free, subject to legal review throughout.
Good to know
What makes it straightforward
3 min
Quick assessment
Our online form takes less than three minutes to complete. Answer a few simple questions about your debts, income, and outgoings.
£0
No upfront cost
Your initial assessment and adviser consultation are completely free. You only pay if you proceed with a formal debt solution.
48h
Adviser call back
A trained specialist will contact you within 48 hours to discuss your options and answer any questions.
1
Single monthly payment
Replace multiple creditor payments with one affordable monthly payment that fits your budget. We handle the rest.
60 days
Breathing Space available
You may be eligible for the government's Breathing Space scheme, giving you up to 60 days of legal protection from creditor action.
100%
Confidential
Everything you share with us is kept strictly confidential. We will never contact your employer or share your details without permission.
A worked example
What a plan could look like
Every case is different — this is an illustrative example only. Your adviser will confirm what applies to your circumstances.
An illustrative example
- Unsecured debt
- £23,745
- Current monthly payment
- £610
- New monthly payment
- £116
- Term
- 60 months
What changes for you
- One single, affordable monthly payment
- Interest and charges frozen
- Creditors stop contacting you
- Evidence-led plan, reviewed by a qualified adviser
2-minute check
Struggling with debt? See your options in 2 minutes.
Free, confidential and non-judgmental. Start by telling us roughly how much you owe.
No obligation · Won’t affect your credit score