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Free, simple debt solutions & free debt advice

Everyone’s circumstances are different which is why we offer a range of solutions that best suits you.

We offer Debt Management plans with no fees as well as Individual Voluntary Arrangements (IVAs), Protected Trust Deeds, Debt Arrangement Schemes (DAS) and free debt advice.

If bankruptcy is for you then we offer a free guide to the form filling and what to expect at court.

We are here to help, not to judge and we don't charge you fees.

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. They usually take the first two months’ payments into your plan as upfront costs followed by 15% of your monthly payment plus VAT. The New Protocol launched in February 2013 will mean that the up front fees will be taken over six months. See Debt Management Protocol 2014


There are some good fee charging firms operating in the debt industry and if you are happy with your firm then fine. However there are some shockers out there and we have the following guide to help you spot them, see our 7 point guide to spotting a dodgy debt advice website!


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.

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Current payments

£0 - £25

Affordable payments

£0 - £25



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LBC with Clive Bull 26/1/15 9 -10pm
Monday, 26th January 2015
LBC with Clive Bull 9-10pm Mon 15/12/14
Monday, 15th December 2014
RTUK with Afshin Rattansi 3/12/14
Wednesday, 3rd December 2014

Free Bankruptcy Support

Why pay a firm up to £1,000 for them to help filling out the bankruptcy forms? We show you how to do it for free Read more...

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