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Call 03339 870 180  
Monday to Thursday: 9.00am - 8.00pm, Friday 9.00am - 5.30pm

Simple debt advice - with no up-front costs


Everyone’s circumstances are different which is why we offer advice and information on a range of solutions that best suits you. Including:

      •      Debt Management Plans (with no additional costs);
      •      Individual Voluntary Arrangements (IVAs);
      •      Protected Trust Deeds and
      •      Debt Arrangement Schemes (DAS).

If bankruptcy is for you then we have a fact sheet detailing the procedure, how to apply and pay the fees.

We do not charge any up-front fees in respect of debt advice provided to you. We are not here to be judgmental. We are here to stand right by your side and help you with a solution.

Time for a fresh start!


As featured in:

BBC - My Worst Deal, BBC Radio, Daily Mirror, the guardian

DebtWizard Fee Saving Calculator

Why pay fees for a debt management plan? See how much we could save you

How much unsecured debt do you have?
How much can you afford each month?
Based upon you paying in fees*
when added to your level of debt we
can reduce your payment period by months...
... and save you

in fees.

*A fee charging debt management company is a firm that will charge you for debt advice and debt service. Their set up fees will be taken over the first six months as well as a monthly management fee, usually 15% plus VAT. See Debt Management Protocol 2014


If you are thinking of starting a debt management plan or wish to transfer to a 'non' fee debt management plan and not pay fees then see how much we can save you by using the slide bars on our unique fee saving calculator above.



For no nonsense advice just submit the short form and Mike or one of his team will get back to you.

Unsecured debt

--Debt Amount--

Home owner

Yes No

No. of creditors


Current payments

£0 - £25

Affordable payments

£0 - £25



Email Address

Phone Number


Yes No Can we leave a voicemail

Yes No Can we contact you via SMS

Yes No Can we contact you via email

Best time to call


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BBC Essex Drivetime with Dave Monk, 6pm 30/4/19 - Listen 10 mins
Tuesday, 30th April 2019
Free podcast now available - LBC with Clive Bull 9-10pm, Sat 22nd Dec 2018
Saturday, 22nd December 2018
Free podcast now available - LBC Consumer Hour with Clive Bull, 9-10pm, Monday 27th August 2018
Monday, 27th August 2018

New online bankruptcy application

How and where to apply, procedure, how to pay the fees and lots more here

   In debt? Don't know where to start?

See the 5 point guide here

   Free debt advice agencies

The 'not for profit' agencies with NO FEES -  here